Terms and Conditions
These Terms and Conditions govern your use of the websites operated by Gravitas Leads, including zip-coverage.com, rate-saver.ai, and fast-rates.com. By using a Site or submitting a request, you agree to them.
1. What we are — and are not
We operate a comparison and referral service. We are not an insurance company, agency, or broker, and we do not sell insurance or provide insurance advice. We are not licensed as an insurance producer. We do not guarantee any rate, premium, policy, or coverage. Any quote, rate, or saving mentioned on a Site is illustrative and depends on the insurer's own underwriting.
2. What happens when you submit a request
When you complete our questionnaire, we may share the information you give us with insurance providers, agents, and other marketing partners, who may contact you directly. We do not control what those partners offer you, what they charge, or how they treat your information once it is theirs — their own privacy policies govern that.
3. Consent to be contacted
If you provide consent when submitting the form, you agree that we and our marketing partners may contact you at the phone number and email address you provided, including by automated dialing systems, prerecorded or artificial voice messages, and text messages, even if your number is on a do-not-call list. Consent is not a condition of purchase. You may revoke consent at any time by contacting us at support@rate-saver.ai.
4. Your obligations
You agree to provide accurate information about yourself, and only to submit information about yourself or someone you are authorized to act for. You agree not to misuse the Sites, interfere with their operation, or access them by automated means.
5. Disclaimer and limitation of liability
The Sites are provided “as is,” without warranties of any kind. To the fullest extent permitted by law, Gravitas Leads is not liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Sites or any contact from a marketing partner.
6. Binding arbitration
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.
6.1 Informal resolution first. Most concerns can be resolved without a formal proceeding. Before starting an arbitration, you agree to first contact us at support@rate-saver.ai with a written description of your claim and the relief you seek, and to give us 60 days to resolve it informally. If we have a claim against you, we will do the same. This step is a condition of starting arbitration.
6.2 Agreement to arbitrate. IF WE CANNOT RESOLVE YOUR CLAIM INFORMALLY, YOU AND GRAVITAS LEADS AGREE THAT ALL DISPUTES, CONTROVERSIES, OR CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS, THE SITES, OR ANY CONTACT YOU RECEIVE AS A RESULT OF SUBMITTING YOUR INFORMATION — INCLUDING CLAIMS UNDER THE TELEPHONE CONSUMER PROTECTION ACT — WILL BE RESOLVED BY FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR, AND NOT IN COURT. YOU AND GRAVITAS LEADS WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHT TO SUE IN COURT AND TO HAVE A TRIAL BEFORE A JUDGE OR A JURY.
6.3 Exceptions. This section does not apply to: (a) claims that qualify for small claims court, which either party may bring there instead; (b) claims of infringement or misuse of intellectual property, which may be brought in court; or (c) filing a complaint with a federal, state, or local agency. Nothing here prevents you from contacting a regulator.
6.4 How arbitration works. Arbitration is administered by JAMS under its Streamlined Arbitration Rules for claims under $250,000 and its Comprehensive Arbitration Rules otherwise, together with its Mass Arbitration Procedures where those apply. The rules are available at jamsadr.com. Hearings, if any, will be held by telephone or videoconference rather than in person, unless the arbitrator determines an in-person hearing is necessary. The arbitrator’s decision is final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
6.5 What law applies. This arbitration agreement involves interstate commerce, and the Federal Arbitration Act, 9 U.S.C. §§ 1–16, governs its interpretation and enforcement. In all other respects the substantive law of the State of Texas applies, without regard to its conflict-of-laws rules.
6.6 Your right to opt out. You may reject this arbitration agreement and the class action waiver in Section 7 by sending written notice to support@rate-saver.ai within 30 days of first accepting these Terms. Include your name, the phone number or email address you submitted, and a statement that you are opting out of arbitration. Opting out affects nothing else in these Terms, and we will not treat it as a reason to refuse you service.
6.7 Survival. This section survives the end of your relationship with us.
7. Class action waiver
YOU AND GRAVITAS LEADS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED, AND YOU AGREE TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION OR CLASS ARBITRATION.
The arbitrator may award relief only in favor of the individual party seeking it, and only to the extent necessary to resolve that party’s individual claim. The arbitrator may not consolidate more than one person’s claims or preside over any form of class or representative proceeding.
If this Section 7 is found unenforceable as to a particular claim or request for relief, then that claim or request will be severed and decided by a court of competent jurisdiction in the State of Texas, while all other claims remain in arbitration. You may opt out of this Section 7 in the same way, and within the same 30 days, as described in Section 6.6.
8. Governing law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules.
9. Changes
We may update these Terms. Continued use of a Site after a change means you accept the updated Terms.