Terms Of Use

Effective Date: February 11, 2025

IMPORTANT NOTICE

THESE TERMS CONTAIN AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. BY USING OUR SERVICES, YOU AGREE TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS.

1. INTRODUCTION

These Terms of Use (“Terms”) govern your use of VamoInsurance.com and related services, owned by AMKLO LLC (“we,” “us,” or “our”). By using our services, you agree to these Terms and our Privacy Policy.

2. SERVICES

2.1 Our Platform

We provide a platform connecting users with insurance professionals for:

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Health insurance
  • Life insurance
2.2 Service Limitations

We do not:

  • Provide insurance directly
  • Act as an insurance agent or broker
  • Guarantee coverage availability
  • Make coverage decisions
  • Process claims
  • Provide insurance advice
  • Verify insurance provider credentials

3. TECHNOLOGY USE

3.1 Website Tools

We utilize:

  • Analytics tools
  • User experience monitoring
  • Session recording
  • Heat mapping
  • Tag management
  • Social media integration
  • AI-powered services
  • Automated communications
3.2 Data Collection

We collect information through:

  • Website tracking
  • Form submissions
  • User interactions
  • Call recording
  • Communication systems

4. USER RESPONSIBILITIES

4.1 Information Requirements

You must:

  • Provide accurate information
  • Keep information current
  • Submit truthful requests
  • Respond to verification attempts
  • Be at least 18 years old
  • Have legal capacity to contract
4.2 Prohibited Activities

You may not:

  • Submit false information
  • Misuse our platform
  • Circumvent security
  • Collect user data
  • Use automated systems without permission
  • Interfere with operations
  • Attempt unauthorized access

5. COMMUNICATIONS

5.1 Consent

You agree to receive:

  • Phone calls (including automated)
  • Text messages
  • Emails
  • Direct mail
  • AI-generated messages
  • Pre-recorded messages
  • IVR system interactions
5.2 Opt-Out Rights

You may opt out via:

  • Message instructions
  • Direct contact
  • Privacy preferences
  • Do Not Sell page

6. INTELLECTUAL PROPERTY

6.1 Ownership

We own all content including:

  • Trademarks
  • Logos
  • Text
  • Images
  • Software
  • Design elements
6.2 Usage Rights
  • Personal use only
  • No commercial use
  • No reproduction
  • No distribution
  • No modification

7. DISCLAIMERS

7.1 Service Disclaimer
  • Services provided “as is”
  • No warranties
  • No guarantees of availability
  • No insurance promises
7.2 Professional Disclaimer

We don’t:

  • Recommend specific coverage
  • Guarantee quotes
  • Verify professional credentials
  • Accept liability for insurance decisions
7.3 Insurance Disclaimer

We do not provide insurance advice, recommendations, or coverage. Consult licensed insurance professionals for specific advice.

8. LIABILITY LIMITATIONS

8.1 Damages

Not liable for:

  • Direct damages
  • Indirect damages
  • Consequential damages
  • Special damages
  • Insurance-related losses
  • Service interruptions
  • Data loss
8.2 Maximum Liability

In no event shall our total liability to you for all damages, losses, and causes of action exceed the lesser of:

  1. The total amount paid by you (if any) to use our services in the twelve (12) months prior to the claim, or
  2. Five hundred dollars ($500.00)

This limitation applies regardless of whether the liability is based on breach of contract, tort (including negligence), strict liability, breach of warranties, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

8.3 Data Security and Breach Notification

We implement reasonable security measures and will notify you of data breaches according to applicable state and federal laws.

9. DISPUTE RESOLUTION

9.1 Arbitration

All disputes resolved through binding arbitration in New Mexico.

9.2 Class Action Waiver

NO CLASS ACTIONS PERMITTED.

10. CHANGES AND UPDATES

10.1 Modifications

We may update:

  • These Terms
  • Our Services
  • Platform features Without notice
10.2 Effect

Continued use means acceptance of changes.

11. GOVERNING LAW

New Mexico law applies.

12. CONTACT INFORMATION

VamoInsurance (A Brand of AMKLO LLC)
2201 Menaul Blvd NE A Albuquerque, NM
87107 United States

Support: support@vamoinsurance.com
Privacy: privacy@vamoinsurance.com
Data Requests: datarequests@vamoinsurance.com

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