Our Terms & Conditions

By Using Our Services, You Are Agreeing To These Terms and Conditions.

Welcome to MagicQuote (TM) !

MagicQuote (TM) is a brand of Merlinio Technologies, LLC and Merlinio Insurance Services, LLC, both Virginia-based corporations providing tools, information and services to help consumers learn, shop, compare, purchase, amend, cancel and  retain insurance products (the “Services”).  Merlinio Insurance Services, LLC is a licensed insurance agency (or, in some jurisdictions, a licensed insurance broker).   Throughout this document, these companies and MagicQuote (TM) are referred as "Merlinio", "our," "us," or "we.  

When you use, access or interact with our Services, you are agreeing to these Terms of Service and consenting to how we collect, share and otherwise use information about you as described in our Privacy Policy.  Since we collect information about you, you we are committed to securing our systems and the protection of your data.  You can find more details on our Security Practices here.

If you have questions about our Services, our Privacy Policy or these Terms and Conditions, you can contact us at privacy@merlinio.com or Merlinio, Attention: Privacy Officer, 6802 Paragon Place, Suite 410, Richmond VA.  

Our Services

Merlinio provides websites, mobile apps, digital tools, information, and services to help you learn, shop, compare, personalize and facilitate the purchase, change, and renewal of  insurance products (the “Services”) from third-party insurance companies and insurance-related agencies (“Providers”).   Services may also include periodic check for potentially lower premiums based on a change to your driving record, end of your current policy term or certain life changes (eg. recently moved; newly married; etc.) 

Merlinio is not an insurance company, but rather facilitates your application for insurance. We provide you with an interface to connect you to a number of potential insurance company Providers.  Any incorrect information entered by you may result in incorrect insurance quotes and/or may make a policy invalid, within the sole discretion of the Provider.  

Many of our features rely on information that we collect from third parties, such as vehicle records, address verification, driving records, etc.  To simplify and facilitate the quoting process for you, we supplement the information you provide with data that we receive and you validate from third-party data providers such as Polk, LexisNexis, Verisk and social media outlets.  By accepting these Terms and Conditions, you give Merlinio your explicit consent for us to collect, receive, retain and utilize these data in accordance with the terms of our Privacy Policy.

Our Compensation 

Our Services are free to consumers. We  are paid  commissions, fees and/or other performance-based compensation by Providers for the services we provide to you.

Services From Third-Parties

Because Merlinio is not an insurer, insurance quotes provided to you are provided through us by third-party Providers.   Merlinio cannot guarantee their accuracy and whether they are the most current quotes available.

Any insurance offered to you is provided to you by the party listed on the insurance policy, and not Merlinio. The terms and conditions of any insurance product offered to you are based on a Provider's own underwriting process using a number of factors solely determined by the Provider.  It is your sole discretion whether to take out a policy based on a quote you get through our Service and to make sure the policy that is of interest to you meets your specific needs. 

The quotes you receive through us may not constitute bookable rates, as the actual bookable rate may require additional information from you, and may vary relative to the provided quotes.  The accuracy of your information, the information further obtained by the Providers and your answers to additional questions on the website,  email or on the phone may impact the pricing and availability of the policies. To purchase a policy, you must sign a completed application with the Provider. The Provider will review your application, along with other information it may gather from sources such as, but not limited to, the Department of Motor Vehicles and credit bureaus.   Based on its analysis, the Provider will determine the precise premium to charge you. This underwriting process may result in higher or lower premiums than your quote.  

Merlinio contracts for some services from Answer Financial, Inc. and its affiliated companies,  a Provider which serves as an insurance agency and call center for some Merlinio customers.  

Limitations, Exclusions and Other Conditions

Services and products are available only to US residents 16 years or age or older.  Insurance offered by insurance companies may not be available in all states.   You may not use this Service if you are not of legal age to form a binding contract or are barred or otherwise legally prohibited from receiving or using the Service under the laws of the state in which you reside or from which you access or use Merlinio. We do not represent ourselves as financial advisors, attorneys or tax planning specialists. The opinions, advice and statistics on our site come from third parties and are provided as is.  We make no warranties as to the accuracy or the suitability of this information as it relates to your personal circumstances or any other particular purpose.

Quotes provided by this Service are for policies that may be available to you at prices estimated by the Providers based on the information you provided. Actual availability and pricing are determined by the Providers after you complete an application. The accuracy of your information, the information further obtained by the Providers and your answers to additional questions on the website, email or on the phone may impact the pricing and availability of the policies.  

We are providing you with an interface to connect you to a number of potential Providers. Any incorrect information entered by you may result in incorrect insurance quotes and/or may make a policy invalid, within the sole discretion of the Provider. We will pass the information we collect to third-party Providers parties in order to provide our Services. NEITHER PARTY OWES THE OTHER ANY DUTIES, FIDUCIARY OR OTHERWISE, AND EACH PARTY RELEASES THE OTHER FROM ALL MANNER OF ACTIONS, WHETHER PAST, PRESENT OR FUTURE, ACTUAL OR CONTINGENT, ARISING OUT OF OR RELATED TO SUCH DUTIES, EXCEPT AS EXPLICITLY STATED IN THESE TERMS.

Warranties and Disclaimers

We provide our Service using a commercially reasonable level of skill and care. But there certain things that we don’t promise about our Service. OTHER THAN AS EXPLICITLY STATED IN THESE TERMS OR ADDITIONAL TERMS NEITHER MERLINIO NOR ITS SUPPLIERS OR DISTRIBUTORS MAKE ANY SPECIFIC PREMISES ABOUT THE SERVICE. FOR EXAMPLE, WE DO NOT MAKE ANY COMMITMENTS ABOUT THE CONTENT WITHIN THE SERVICE, THE SPECIFIC FUNCTIONS OF THE SERVICE, OR THEIR RELIABILITY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS. WE PROVIDE THE SERVICE “AS IS”.  SOME JURISDICTIONS PROVIDE FOR CERTAIN WARRANTIES, LIKE THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES.

Liability of Our Services

WHEN PERMITTED BY LAW, MERLINIO AND MERLINIO’S PROVIDERS WILL NOT BE RESPONSIBLE FOR LOST PROFITS, REVENUES, OR DATA, FINANCIAL LOSSES, PUNITIVE DAMAGES. TO THE EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF MERLINIO, AND ITS SUPPLIERS AND DISTRIBUTORS, FOR ANY CLAIMS UNDER THESE TERMS, INCLUDING FOR ANY IMPLIED WARRANTIES, IS LIMITED TO THE AMOUNT YOU PAID US TO USE THE SERVICES (OR, IF WE CHOOSE, TO SUPPLYING YOU WITH THE SERVICES AGAIN). IN ALL CASES, MERLINIO, AND ITS PROVIDERS WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE.

Prohibited Activities

The content and information on this website (including, but not limited to, messages, data, information, text, music, sound, photos, graphics, video, maps, icons, software, code or other material), as well as the infrastructure used to provide such content and information, is proprietary to Merlinio. You agree not to otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or resell any information, software, products, or services obtained from or through this website. 

Additionally, you agree not to: (i) use this website or its contents for any commercial purpose (ii) access, monitor or copy any content or information of this website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission; (iii) violate the restrictions in any robot exclusion headers on this website or bypass or circumvent other measures employed to prevent or limit access to this website; (iv) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; 

(v) deep-link to any portion of this website for any purpose without our express written permission; or (vi) "frame", "mirror" or otherwise incorporate any part of this website into any other website without our prior written authorization. (vii) attempt to modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any software programs used by Merlinio in connection with the website or the services.

Governing Law

These Terms and Conditions will be governed by the laws of Virginia. All claims arising out of or relating to these Terms and Conditions will be litigated exclusively in the federal or state courts in the Commonwealth of Virginia and you and we consent to personal jurisdiction in those courts.

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© 2018 by Merlinio Insurance Services, LLC and Merlinio Technologies, LLC.   Materials cannot be reused, replicated, re-distributed or used in a hyperlink without the expressed written permission of Merlinio. 

 



Our Privacy Policy

Your privacy is very important to us.

Welcome to MagicQuote (TM)!

MagicQuote(TM) is a brand of Merlinio Technologies, LLC and Merlinio Insurance Services, LLC, both Virginia-based corporations providing tools, information and services to help consumers learn, shop, compare, purchase, amend, cancel and  retain insurance products (the “Services”).  Merlinio Insurance Services, LLC is a licensed insurance agency (or, in some jurisdictions, a licensed insurance broker).   Throughout this document, these companies and MagicQuote (TM) are referred as "Merlinio", "our," "us," or "we.  

When you use, access or interact with our Services, you are agreeing to our Terms of Service and consenting to how we collect, share and otherwise use information about you as described in this Privacy Policy. Since we do collect information about you, you should also know we are committed to securing our systems and the protection of your data.  You can find more details on our Security Practices here.

If you have questions about our Services, this Privacy Policy or our other Terms and Conditions, you can contact us at privacy@merlinio.com or Merlinio, Attention: Privacy Officer, 6802 Paragon Place, Suite 410, Richmond VA.  

What This Document Covers

Your privacy is very important to us.  

This Privacy Policy covers how Merlinio collects, shares and use information in connection with your access and use of our Services.  It applies when you visit our websites (the “Websites”), use our mobile applications (the "Apps") and/or use other services offered via our Websites and Apps (collectively, the "Service").  Topics covered include: 

The information we collect

The reasons we collect it

How this information used

Other related topics

Our Privacy Policy does not cover the privacy practices of third parties that we do not own or control.   With your permission, we may provide third party content or links to third-party web sites or applications, or include features that allow you to connect your Merlinio account with your accounts with third parties, such as social media platforms like Facebook. When you leave our Services, or interact with a third-party feature, you should also read the applicable third party's privacy policies and terms of service to make sure you understand how they might collect and share information about you.

What Information We Collect

There are three ways we collect information about you: 

Information You Provide to Us.  We may ask you to provide certain information to us through various forms, features or other means throughout our Services.  Some examples of this include keying information on registration, application, comments, question and feedback forms and uploading images or audio information. The types of information we may collect from you fit in two general categories:

Personal Information: This is information that identifies you personally, including but not limited to, first and last name, home or other physical address, email address and password, phone number, age information, information about insurance policies, personal vehicles and/or driving record, credit information, and credit card or other payment information.  If you choose not to provide requested Personal Information, you may not be able to use certain features of the Service. 

Non-Personal Information: This is information about you or your household that doesn't identify you personally, like your gender, income or what types of financial products you're interested in.

When we combine information that is not Personal Information (like Non-Personal Information or Usage Information, explained below) with Personal Information, it is treated as Personal Information for as long as it is combined.

Information We Automatically Collect.  In addition to information you provide to us, we automatically collect certain information about how you access and interact with our Services (“Usage Information”). This Usage Information is a key part of how we improve your Merlinio experience and provide more personalized insights and recommendations. We and our business partners may use various technologies to collect and store Usage Information in connection with our Services. These may include things like cookies, browser web storage, web beacons and similar technologies. There are three types of Usage Information we may collect:

Device Information. This is information about how you access our Services, such as the operating system, hardware model, application or browser type and version, and unique identifiers associated with your device. We may also integrate with built-in device features (e.g., when you turn on fingerprint access for your Merlinio account).

Log Information. There are certain pieces of information we automatically collect in system logs or similar files about how you interact with our Services, such as which features you visit or click on. This Log Information may also include things like your IP address, browser or device configuration, date and time of access and cookie information.

Location Information. We may use certain information like your IP address or other Device Information or Log Information to estimate your location (e.g., your city or state). We may also request to use location-enabled services on your device (which typically provide GPS or Wi-Fi access point details) to enhance our Services. We will only use these location-enabled services on your device with your consent.

Information Third Parties Provide About You.   Many of our features rely on information about you that we collect from third parties, such as vehicle records, address verification, driving records, etc.   We will request this information on your behalf from third-party data providers such as LexisNexis, Verisk, and similar providers.  We may also work with different third-party data partners to supplement the Usage Information and other information we collect directly from you. 

How We Use This Information

We use the information we collect from you and third parties to operate our Services, communicate with you, conduct research and development to improve or enhance our Services and your experience, promote our Services and meet our legal obligations.

Personal Information and Location Information:  This information may be used by Merlinio to support your relationship with us and our products and services or partners. Among other things, we want to help you quickly find information and obtain benefits through our Service, leverage our tools in connection with your authorized use of our products and services, process payment, facilitate interaction with third party services and providers, and alert you to product upgrades, special offers, updated information and other new products and services from Merlinio.   We may also send emails to you periodically regarding updated quotes or offerings. You may opt out of receiving emails from us at any time by unsubscribing as set forth in the applicable e-mail.

Anonymized Location Information:  This information may be used by Merlinio (in a form that does not personally identify you) to improve, market or promote products (including without limitation to comply with applicable laws or regulations related to insurance) or to provide services or technologies to you.  Merlinio may also sell or license Location Information regarding its users to third parties but not in a manner in which the recipient will be able to identify you personally. You acknowledge that certain information or content that you provide in connection with the Service may inherently allow or help third parties to personally identify you.

What We Will Not Share With Third-Parties

We do not share your Personal Information with third parties (except agents acting on our behalf as explained below).  We also do not sell or rent Personal Information to third parties for their advertising or marketing lists.

What We May Share With Third-Parties

We may share information about you, including Personal Information and Location Information, with third parties in the following circumstances:

Agents acting on our behalf. We may share information about you with service providers or agents in order to have them perform on our behalf any of the activities we are permitted to conduct under this Privacy Policy. This includes things like designing or operating features, helping us research and test feature improvements, identifying offers or personalized recommendations, performing analytics and marketing our Services. These third parties are acting on our behalf so while they may have access to your information they're required to follow our instructions and meet the standards explained in our Privacy Policy when handling information about you that we provide them.

When we collaborate with third parties to deliver and improve our Services. In order to provide personalized insurance quotations and related services, we share information about you with our insurance company and agency business partners or other third parties we collaborate with in connection with providing or improving our Services. We may also share information like the feedback you submit to us if it relates to both our Services and a business partner's products. When we share information with third-party collaborators, our collaborators are obligated to utilize this information in connection with their own activities to the extent allowed under their own privacy practices (e.g., respond to your feedback, conduct additional research, or improve a feature of theirs).

Our business partners when you ask for their services. We may also give you opportunities to interact with third party business partners through our Services (for instance, when you submit an insurance application that we pre-populate with your information). In these situations, we will either tell you we'll be sending your information before we do so or we will send you to the business partner's site or platform for you to provide the information directly to them. Any information you provide to third-party business partners, whether through us or on your own, will be subject to their privacy practices and terms and conditions.

When you publicly post the information. As part of our Services, we may provide opportunities for you to publicly post reviews, questions, comments, suggestions or other content, which may include Personal Information and portions of your Member Profile designated as public profile information, like your name or user name. 

As part of a corporate change. We may disclose and transfer information about you to a third party as part of, or in preparation for, a change of control, restructuring, corporate change, or sale or transfer of assets. If such a business transfer results in a material change in the treatment of your Personal Information, you will be notified by e-mail (using the primary email address on your account) or by a prominent notice on our site.

For legal reasons. We reserve the right to transfer or disclose information about you to third parties for certain legal purposes. 

With your consent. There may also be other limited contexts in which we share specific types of personal information with your consent.

Security of Your Information

We maintain physical, electronic, and procedural safeguards designed to protect Personal Information, and our systems are designed to protect Personal Information from unauthorized usage on shared computers in that users are required to log in through our applications. Despite the actions and precautions, we take, however, no data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of your Personal Information and you transmit it to us at your own risk.

When you voluntarily disclose Personal Information through public facing aspects of the Service, through e-mail, text or in chat areas, that information can be collected and used by others. In short, by posting Personal Information online that is publicly accessible, you may receive unsolicited messages from other parties in return. We are not responsible for the security or privacy of any Personal Information you choose to submit in connection with these public features.

We may send an email to you at the email address you have provided to us in the event of a security breach. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.

Third-Party Websites, Services and Applications

Websites and services, including the websites of third parties that you connect with through our Website or Service, may collect Personal Information about you. This Privacy Policy does not cover the information practices of those third-party websites, services or applications.  Additionally, certain Personal Information may be made available to third parties using our Application Programming Interface ("API"). Use of third party applications developed using our API are subject to the terms of use and privacy policies of such third-party developers. You should be aware that such third-party applications may expose user information.

Remarketing

Merlinio may use third-party remarketing services (such as Google AdWords, AdRoll, & Facebook) to advertise on third-party websites to previous visitors of Merlinio or our properties. It could mean that we advertise to previous visitors who have not completed a task on our site, for example completing a contact form or application. This could be in the form of an advertisement or posting on the Google search results page, Facebook, or various other websites within these networks or on the worldwide web. Third-party vendors use cookies to serve ads based on an individual’s past visits to the Merlinio’ s properties. Of course, any data collected will be used in accordance with our own privacy policy and the privacy policies of these third-party remarketing services.

International Transfers

Personal Information collected through the Service may be stored and processed in the United States or any other country in which Merlinio or its affiliates, subsidiaries, agents or contractors maintain facilities, and by using the Service, you consent to any such transfer of information outside of your country.

Changes To Our Privacy Policy

We reserve the right to change this Privacy Policy at any time without notice to you. If there are any material changes in the way we treat your Personal Information, Merlinio will send a notice to the primary email address on your account or place a prominent notice on our platform before the change goes into effect. Merlinio will also promptly make an updated Privacy Policy publicly available on our platform. Changes will be effective as soon as the revised Privacy Policy is posted unless otherwise stated.

Compliance with Children's Online Privacy Protection Act

Our Services are not designed to attract, and should not be used by, anyone not of legal driving age in the United States. Persons under the age of 16 should not use the Merlinio Services. Accordingly, under no circumstance does Merlinio seek to collect Personal Information from people under the age of 16.

Want More Information?

If you have questions regarding this policy or privacy practices at Merlinio, email us at privacy@merlinio.com or write to Merlinio Privacy Officer, 6802 Paragon Place, Suite 410, Richmond VA 23230.

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© 2018 by Merlinio Insurance Services, LLC and Merlinio Technologies, LLC.   Materials cannot be reused, replicated, re-distributed or used in a hyperlink without the expressed written permission of Merlinio.