Last updated: June 6, 2026
Welcome to Better Rate Quote, operated by Next Phase Ventures LLC ("we," "us," "our"). These Terms of Service ("Terms") govern your use of the website at betterratequote.com and any related services we provide (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms.
By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.
To use the Service, you must:
Better Rate Quote is not an insurance company, insurance agent, or insurance broker. We do not sell insurance, underwrite insurance policies, or provide insurance quotes directly.
The Service is a marketing platform that connects consumers with our insurance comparison partner, Hello Genius Auto, who in turn may connect consumers with licensed insurance carriers, agents, or brokers for the purpose of providing insurance quotes.
We make no representations regarding:
Information provided through the Service is for general informational purposes only and is not insurance advice. We do not recommend specific insurance policies, carriers, or coverage levels. You should consult with a licensed insurance professional regarding your specific insurance needs.
By submitting information through the Service, you expressly consent to be contacted by Better Rate Quote and our insurance comparison partners (including Hello Genius Auto and the licensed providers they connect you with) regarding your quote request. This contact may include telephone calls (including automated dialer and pre-recorded messages), SMS/text messages, and emails. Full details are described in our Privacy Policy.
You may opt out of communications at any time by following the unsubscribe or opt-out instructions provided in each communication.
You agree that all information you provide is accurate, complete, and current. Providing false, inaccurate, or fraudulent information may result in denial of service and may violate applicable law.
All content on the Service, including text, graphics, logos, and software, is the property of Next Phase Ventures LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.
You agree not to:
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted access. We do not warrant that the Service will be error-free, secure, or available at all times.
TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER NEXT PHASE VENTURES LLC NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING WITHOUT LIMITATION ANY DECISIONS YOU MAKE BASED ON INFORMATION OBTAINED THROUGH THE SERVICE OR ANY CONDUCT OF THIRD-PARTY INSURANCE PROVIDERS.
Our aggregate liability for any claim related to the Service shall not exceed $100 USD.
You agree to indemnify, defend, and hold harmless Next Phase Ventures LLC and its affiliates from and against any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from: (a) your use of the Service; (b) your violation of these Terms; or (c) your violation of any law or third-party right.
The Service connects you with third-party insurance comparison and quote providers, including Hello Genius Auto. We are not responsible for the conduct, content, policies, or services of these third parties. Your interactions with third parties are solely between you and them.
We may suspend or terminate your access to the Service at any time, for any reason, without notice or liability.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Any dispute arising out of or related to these Terms or the Service shall be resolved exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts.
We may update these Terms at any time. Material changes will be posted with a new "Last updated" date. Your continued use of the Service after the effective date of any changes constitutes acceptance of the new Terms.
For questions about these Terms, contact us at legal@betterratequote.com.