Terms and Conditions
Last updated: December 15th, 2025.
These Terms and Conditions (“Terms”) contain important information about your legal rights and agreement with MOTER Technologies, Inc., including its affiliates (collectively, “MOTER”).
PLEASE READ THE FOLLOWING TERMS CAREFULLY BEFORE USING THE MOTER WEBSITE (“SITE”). THIS SITE IS INTENDED FOR USE BY (A) INDIVIDUAL USERS WHO ARE AT LEAST 18 YEARS OF AGE OR THE LEGAL AGE OF MAJORITY (WHICHEVER IS GREATER), AND (B) BUSINESS USERS ACCESSING THE SITE ON BEHALF OF A COMPANY, ORGANIZATION, OR OTHER LEGAL ENTITY WITH AUTHORITY TO BIND SUCH ENTITY TO THESE TERMS. THIS SITE IS OFFERED ONLY TO USERS LOCATED IN THE UNITED STATES OR ITS TERRITORIES. ACCESSING OR USING THE SITE CONSTITUTES YOUR BINDING AGREEMENT TO THESE TERMS. BY ACCESSING OR USING THIS SITE, YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL CAPACITY OR AUTHORITY TO ENTER INTO A BINDING AGREEMENT WITH MOTER, WHETHER ON YOUR OWN BEHALF OR ON BEHALF OF A BUSINESS ENTITY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT USE THE SITE.
“Service” means this Site and any and all content, software, data, information and materials contained in it and transactions completed through it and/or resulting from your use of this Site.
“Third Party Content” means certain third party analysis, content, tools, features, materials, websites, services or advertisements which MOTER makes available on or through this Site or the Service, or to which MOTER links on this Site.
2.1 Products and Services
MOTER may offer access to certain insurance-related tools, estimates, or information in jurisdictions where the relevant insurance products and services have been authorized by the applicable state insurance regulators. MOTER does not represent or warrant that any insurance-related content made available through the Site is suitable, permitted, or available outside of those jurisdictions. Availability may depend upon your state, the insurance company and your personal circumstances.
Any premium estimates, rate indications, or other insurance-related outputs generated through the Site are based on the information you provide and, in some cases, information obtained from third-party sources. These estimates are not insurance contracts, offers to contract, binders, or commitments to provide, renew, or continue coverage.
The information and materials provided in the Site may not describe all of the terms, conditions, and exceptions applicable to any insurance policy or service. All insurance coverages are subject to the terms and conditions of the insurance policies issued.
2.2 Professional Advice is Not Provided
The content of this Site does not constitute professional advice of any kind. The information contained in this Site is for general informational purposes only. Please contact a licensed MOTER insurance professional for assistance with your insurance needs. Any insurance decision, including coverage amounts, limits, and deductibles, is solely the responsibility of the insured.
2.3 Consent To Be Contacted By MOTER
You agree to receive service-related or transactional communications from MOTER regarding your use of the Service, and insurance. You agree that these communications may include, but are not limited to, phone, text, fax, email or other similar means. These communications may be sent even if your telephone number is listed on a state or federal Do-Not-Call registry, to the extent permitted by applicable law. You understand that any messages we leave for you may be accessed by anyone with access to your voicemail or text messages. You understand that your mobile phone service provider may charge you fees for calls that we make or texts that we send to you, and you agree that we will have no liability for the cost of any such calls or texts. MOTER will not send you marketing calls or messages unless you provide separate express consent where required by applicable law (for example, by checking an opt-in box or otherwise clearly indicating your agreement). At any time, you may withdraw your consent to receive marketing calls and text messages by calling us at 424-558-3317. Alternatively, to stop marketing text messages, simply reply “STOP” to any marketing text message that we send you.
2.4 Notice Of Monitoring And Recording
You understand that all telephone calls, live chats, and other communications between you and MOTER (including its affiliates defined above) may be monitored and/or recorded. You agree to such monitoring and recording.
2.5 Eligibility; Geographic Restrictions.
This Site and the Service are offered and made available only to (a) individuals who are at least eighteen (18) years of age or the age of majority in their jurisdiction of residence (whichever is greater), and (b) business entities and their authorized representatives who have the legal authority to bind such entity to these Terms. All users must be located in the United States.
MOTER provides the Service for use only by persons and entities located in the United States. MOTER makes no claims that the Service or any of its content is accessible or appropriate outside of the United States. Access to the Service may not be legal by certain persons or in certain countries. If you choose to access the Service from outside the United States, you do so on your own initiative and are responsible for compliance with all applicable local laws.
3.1 As between MOTER and you, and subject to your right, title and interest in data you submit through the Service or otherwise provide or submit to MOTER, MOTER owns all right, title and interest in and to the Service, including all related intellectual property rights subsisting therein. Subject to the limited rights expressly granted hereunder, and rights to any third party software used by MOTER or its service providers within or in connection with the Service, MOTER reserves all rights, title and interest in and to the Service, including all related intellectual property rights subsisting therein. We grant no rights to you hereunder other than as expressly set forth herein. The Service and all materials and information published thereon are protected by U.S. and foreign copyright and other intellectual property laws. You agree to protect the proprietary rights of MOTER and to comply with all reasonable written requests made by MOTER or its third party licensors to protect their and others’ rights in the Site and materials and content made available on or through the Service.
3.2 All MOTER denominated branding, other trademarks, and service marks are the property of, or licensed by, MOTER. MOTER’s trademarks and trade dress may not be used in any form without the prior written consent of MOTER, and any use shall be subject to MOTER’s then-current policies and requirements. All other trademarks, services marks, logos, designs and trade dress not owned by MOTER that appear on the Service are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by MOTER.
4.1 Subject to these Terms, MOTER hereby grants you a non-exclusive, non-transferable license for your lawful purposes in connection with seeking insurance. You may not use the Site in any manner inconsistent with these Terms.
4.2 You shall not remove any copyright, patent, trademark or other proprietary or restrictive notice or legend contained on of the Sites, and you shall reproduce all such notices and legends on all copies of materials downloaded, printed or distributed from the Service which copies are permitted to be made hereunder.
5.1 Except as otherwise expressly provided in these Terms or on the Site, you may not download, modify, copy, reproduce, republish, post, resell, upload, transmit or distribute any materials or content, except with the express written consent of MOTER and (if applicable) its third party licensors.
5.2 In addition, you agree not to:
(a) Use or access the Site for any purpose that is unlawful or prohibited by the Terms or display, transmit or otherwise make available on or through the Service material that is infringing, threatening, harassing, libelous, hateful, racially or ethnically objectionable, unlawful, tortious, harmful to children, invasive of another’s privacy or violative of third party privacy rights;
(b) Reverse engineer, decompile, modify, or create derivative works from any software or materials accessible by or on the Service;
(c) Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of MOTER without express written consent;
(d) Make any commercial or non-fair use of the copyrights, trademarks, logos, symbols, or any other mark, device, or commercial identifier of MOTER or any of our third party licensors without the express written consent of MOTER;
(e) Use or access the Site in a manner that could damage, disable, overburden, or impair any MOTER server or the networks connected to any MOTER server;
(f) Interfere with any third party’s use and enjoyment of the Service;
(g) Attempt to gain unauthorized access to the Service, accounts, computer systems, or networks connected to any MOTER server through hacking, password mining, or any other means;
(h) Sublicense any license granted in or to materials on the Service (whether or not any of such acts are for commercial gain or advantage); or
(i) Access the Service in order to build a competitive product or service, or copy any features, functions or graphics of the Services.
You shall: (i) have sole responsibility for the accuracy, quality, integrity, legality, reliability, and appropriateness of all content and data submitted to or published via the Service by you; (ii) comply with all applicable laws (including but not limited to export laws) in using the Service; and (iii) use the Service solely in accordance with any online user guides or instructions made available on or through the Site. You agree to notify MOTER in writing promptly upon becoming aware of any unauthorized access or use of the Site by any party.
We have the right to terminate or suspend your access to all or part of the Service for any or nor reason, including without limitation, any violation of these Terms. You acknowledge and agree that upon such termination, materials submitted by or related to you may be archived or deleted from the Service in accordance with our applicable records retention policy(ies). We do not guaranty the availability of any other content on the Service, and you acknowledge and agree that any content stored on or through this Site may be archived or deleted periodically in accordance our applicable record retention policy(ies).
8.1 Third Party Content is not maintained or controlled by MOTER, and as a matter of policy, MOTER does not independently verify, prescreen or monitor any such Third Party Content. We are not responsible for the availability, content, completeness, adequacy, utility or accuracy of such Third Party Content. MOTER does not make any endorsement, express or implied, of any Third Party Content.
8.2 Certain Third Party Content is subject to additional specific terms and conditions, which can be found in the terms and conditions for such Third Party Content.
8.3 Service features that interoperate with Third Party Content depend on the continuing availability of such third party services and materials for use with the Service. If the third party providers of such services or materials cease to make the services or materials available on reasonable terms for the Services, we may cease providing such Service features.
9.1 The information contained in the Service provides only a general overview of subjects covered, is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. Insureds should consult their insurance and legal advisors regarding specific coverage issues. All insurance coverage is subject to the terms, conditions, and exclusions of the applicable individual policies. MOTER cannot provide any assurance that insurance can be obtained for any particular client or for any particular risk, and, unless and to the extent otherwise expressly provided, the display of information on or through the Service should not be considered assurance that insurance can be or has been obtained for any particular client or for any particular risk. MOTER is not responsible for accuracy of any Third Party Content containing information or other materials concerning the financial condition or solvency of any insurers or reinsurers, or application of policy wordings of any insurers or reinsurers.
9.2 THE SITE, ANY SERVICE, AND THE INFORMATION ON THE Site, ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF NON- INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE FOREGOING, MOTER MAKES NO WARRANTY THAT THE SITE OR ANY SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED. MOTER DOES NOT WARRANT THE ACCURACY, COMPLETENESS, RELIABILITY, OR AVAILABILITY OF THE SITE, ANY CONTENT, OR ANY DATA OBTAINED THROUGH THE SERVICE. YOU ASSUME ALL RISK FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE, OR DATA THAT RESULTS FROM YOUR USE OF THE SITE OR ANY SERVICE.
9.3 MOTER SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, PUNITIVE, EXEMPLARY, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO LOST REVENUES OR LOST PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSSES AND BASED ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE, OR ANY INFORMATION OR SERVICE ON A LINKED WEBSITE. Some jurisdictions do not permit the limitation or exclusion of certain warranties or liabilities, and in such jurisdictions, this Section 9.3 shall apply only to the maximum extent permitted by applicable law, and only the specific limitations prohibited by such law will not apply to you.
You shall defend, indemnify, and hold harmless MOTER, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of or access to the Site and any claim made or brought against such indemnified party by a third party alleging that your use of the Service in violation of these Terms, or the data or information you submit through the Site, infringes or misappropriates the intellectual property rights of a third party or violates applicable law; provided, that we:
(a) promptly give you written notice of the Claim; (b) give you sole control of the defense and settlement of the Claim; and (c) provide to you all reasonable assistance, at our expense.
Notwithstanding the foregoing, you shall not enter into any settlement, consent to any judgment, or agree to any resolution of a Claim that (i) imposes any obligation, admission of liability, or restriction on MOTER, (ii) adversely affects MOTER’s rights, reputation, or ongoing business interests, or (iii) provides for injunctive or equitable relief against MOTER, without MOTER’s prior written consent.
MOTER reserves the right to make changes, modifications, amendments, and/or updates to the Service and the Terms. When these changes are made, we will make a new copy of the Terms available on this Site. Changes to the Terms shall be effective when posted. You understand and agree that continued use of the Site after the Terms has changed will be treated as your acceptance of the updated Terms.
You acknowledge that the Service may be subject to U.S. export control, economic sanctions, and other related laws and regulations, including those administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”), the U.S. Department of Commerce, and the U.S. Department of State (collectively, “Export Control Laws”). You agree to comply with all applicable Export Control Laws in connection with your access to and use of the Service. You represent and warrant that: (a) you are not, and are not acting on behalf of, a person or entity that is the target of Export Control Laws, including without limitation any individual or entity listed on the OFAC Specially Designated Nationals and Blocked Persons List, the Sectoral Sanctions Identifications List, or any other restricted-party list; (b) you are not located, organized, or resident in a country or territory that is the subject of comprehensive U.S. sanctions; and (c) you will not use the Services for the benefit of, or transmit or export any data, technology, or materials through the Service to, any person or destination in violation of Export Control Laws. MOTER reserves the right to immediately suspend or terminate access to the Service if we determine that your use of the Service may violate Export Control Laws or expose MOTER to potential liability under such laws.
These Terms shall be governed by the laws of the State of California, without reference to the principles of conflicts of laws thereof. Any legal suit, action, or proceeding arising out of or related to these Terms or the Service will be instituted exclusively in the federal courts of the United States or the courts of the State of California in each case located in the city of Los Angeles and County of Los Angeles, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such suit, action, or proceeding.
MOTER respects the intellectual property rights of authors. To assist copyright owners, MOTER has appointed an agent to receive notifications of claims or allegations of copyright infringement regarding materials available or accessible on, through, or in connection with the Site. Any person authorized to act for a copyright owner may notify us of such claims by contacting us in writing at the following address: Attn: Copyright Agent MOTER Technologies, Inc21061 S. Western Ave, Ste 200Torrance, CA 90501
You acknowledge and agree that any violation of the Terms relating to the disclosure, use, copying, distribution, display or publishing of the content made available through the Service by us or by third party licensors, including any software licensed hereunder, may result in irreparable injury and damage to MOTER or its licensors that may not be adequately compensable in money damages, and for which MOTER will have no adequate remedy at law. You, therefore, consent and agree that MOTER may obtain injunctions, orders, or decrees as may be reasonably necessary to ensure compliance with these Terms. You hereby waive any requirement of the posting of a bond that may apply for issuance of any injunctions, orders, or decrees.
We may assign our rights and obligations under these Terms, without notice, to: (a) any affiliate of MOTER; or (b) any party or its affiliate acquiring all or substantially all of the assets or stock by merger or otherwise of MOTER or any affiliate of MOTER. These Terms may not be assigned by you without our prior written consent. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. If any provision of these Terms shall be deemed invalid, void, or for any reason unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions. These Terms are the entire and final agreement between MOTER and you regarding your access to and use of the Site, the Service, and the content provided, and supersedes any prior or contemporaneous understandings regarding access and use of the Site. Questions or comments regarding the Service or the Terms should be directed to the MOTER client executive team at 424-558-3317 / info@moter.ai
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