IMPORTANT NOTICE: PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS.

1. DEFINITIONS

• “Vamo Insurance” refers to Vamo Insurance’s phone-based matching service
• “Company” refers to AMKLO LLC, the owner and operator of Vamo Insurance
• “Service Providers” refers to independent insurance professionals
• “Platform” refers to our telephone-based matching system (including toll-free and local numbers) and related technologies displayed on our websites, advertisements, and partner advertisements
• “Services” refers to our connection and matching services
• “User,” “you,” or “your” refers to individuals using our Services

2. ACCEPTANCE OF TERMS

By using Vamo Insurance’s services, you agree to these Terms of Use (“Terms”). If you don’t agree, please don’t use our Services.

2.1 Eligibility Requirements

You confirm that:

• You are at least 18 years old
• You can form a legal contract
• You will follow applicable laws
• You will provide truthful information

3. OUR SERVICES

3.1 Platform Services

Vamo Insurance is a free service that:

• Connects you with local insurance experts through phone-based matching.
• Provides rapid qualification and connection with trusted professionals.
• Facilitates free insurance quotes through direct phone connections.
• Uses technology to enhance your service experience.

While we carefully evaluate our network of professionals, all insurance agents and brokers are independent service providers, and Vamo Insurance does not guarantee or warrant any services performed.

3.2 Service Limitations

We do not:

• Provide insurance coverage
• Directly employ insurance providers
• Guarantee provider availability
• Conduct background checks
• Promise specific results
• Verify provider credentials
• Guarantee coverage options
• Process insurance claims

3.3 Call Center Services

We partner with leading U.S.-based call centers to provide:

• Nationwide call handling through multiple service locations
• Professional call handling by trained agents
• User qualification and needs assessment
• Direct connection to service providers
• Quality assurance monitoring
• Call recording for service improvement
• Secure information handling

3.4 Independent Professionals

All service providers are independent professionals, not Vamo Insurance employees. We:

• Don’t control their operations
• Don’t guarantee their work
• Don’t handle disputes between you and providers
• Aren’t part of your agreement with any provider

3.5 Partner and Affiliate Advertising:

Our toll-free numbers may be displayed on:

• Our websites
• Our advertisements
• Our partners’ and affiliates’ advertisements
• Marketing materials

4. TECHNOLOGY USE

4.1 Service Tools

We utilize various technologies including:

• Call recording systems
• Voice analytics
• IVR (Interactive Voice Response) systems
• AI-powered services
• Call routing technology
• Quality monitoring systems
• Automated communication systems

4.2 Data Collection

We collect information through:

• Phone calls
• Call recording systems
• Voice verification
• Automated systems
• Communication systems

5. YOUR RESPONSIBILITIES

5.1 Information Accuracy

You agree to:

• Provide accurate contact information
• Submit truthful personal details
• Provide accurate insurance history
• Keep information current
• Respond to service communications

5.2 Prohibited Activities

You must not:

• Submit false information
• Misuse our Services
• Circumvent security measures
• Harass our representatives
• Use automated systems without permission
• Interfere with Service operation

6. COMMUNICATION CONSENT

6.1 Contact Authorization

When you call our toll-free numbers, displayed on our websites, advertisements, or partner advertisements, you agree to receive:

• Call recordings for quality assurance
• Follow-up calls from matched professionals
• Text messages regarding your inquiry

6.2 Communication Methods

You specifically consent to:

• Automated calling systems
• IVR (Interactive Voice Response)
• AI-generated messages
• Pre-recorded messages
• Text messaging
• Call recording
• Call monitoring

6.3 Opt-Out Rights

You may opt out via:

• Voice instructions
• Text message replies
• Direct contact
• Privacy preferences

7. PRIVACY AND DATA

7.1 Information Sharing

We share information with:

• Insurance professionals
• Technology providers
• Call analytics services
• Voice processing services
• Platform optimization services

7.2 Security Measures

We implement:

• Industry-standard security
• Call encryption
• Access controls
• Regular monitoring

8. INTELLECTUAL PROPERTY

8.1 Ownership

AMKLO LLC owns all Service content including:

• Trademarks
• Logos
• Voice recordings
• Software
• Service elements

8.2 Usage Rights

• Personal use only
• No commercial use
• No reproduction
• No distribution

9. DISCLAIMERS

9.1 Service Disclaimer

Service provided “as is” without warranties

9.2 Provider Disclaimer

We don’t:

• Guarantee quality
• Verify credentials
• Accept provider liability
• Guarantee outcomes
• Guarantee coverage options
• Guarantee policy approval

10. LIABILITY LIMITS

10.1 Damages

Not liable for:

• Direct damages
• Indirect damages
• Consequential damages
• Special damages
• Punitive damages

10.2 Maximum Liability

Limited to lesser of:

• 12-month payment total
• $500

11. DISPUTE RESOLUTION

11.1 Arbitration

Binding arbitration in New Mexico

11.2 Class Action Waiver

NO CLASS ACTIONS PERMITTED

12. GENERAL PROVISIONS

12.1 Updates

• Terms may change
• Notice via call or text
• Continued use = acceptance

12.2 Governing Law

New Mexico law applies

13. CONTACT INFORMATION

Vamo Insurance (A Brand of AMKLO LLC)

Email: Support@vamoinsurance.com