TERMS OF SERVICE

Last Updated: August 8, 2026

The following terms and conditions (the "Terms of Service") govern your use of the services ("Services") offered through OTTO Insurance (collectively, the "Site"). By using the Site, including but not limited to, accessing the Site, submitting a request for quotes through the Site, calling our toll free number, initiating a request for us to contact you by telephone, or through any other means we might make available, you represent that you are at least 18 years old and legally able to enter into this agreement; and are consenting and agreeing to these Terms of Service (including the arbitration and class action waiver provisions below), the Privacy Policy, and to comply with all applicable laws and regulations. OTTO Insurance and its subsidiaries, affiliated companies, and their respective owners, officers, directors, members, employees, agents, and representatives are collectively incorporated into and included in any reference to "OTTO Insurance", "Site", "we," and/or "us,". Each party is individually referred to herein as a "Party" and collectively as the "Parties".

Agreement Acceptance

By accessing, using, submitting information, and/or requesting a quote through the Site, you agree to comply with and be bound by the following Terms of Service and the Privacy Policy (collectively, the "Agreement"), in addition to any and all other applicable laws and regulations. THIS AGREEMENT CONTAINS WARRANTY DISCLAIMERS AND OTHER PROVISIONS THAT LIMIT OUR LIABILITY TO YOU. PLEASE READ THIS AGREEMENT IN ITS ENTIRETY. If you do not agree to the Agreement in its entirety, you are not authorized to use the Site in any manner or form.

This Agreement constitutes the entire and only agreement between you and OTTO Insurance with respect to your use of this Site, and supersedes all prior agreements, representations, warranties and/or understandings with respect to the Site. As such, you agree to the terms set forth in this Agreement with respect to your use of the Site. We may amend the Terms of Service from time to time in our sole discretion, without specific notice to you; provided, however, that any amendment or modification to the arbitration provisions, prohibition on class actions provisions or any other provisions applicable to dispute resolution shall not apply to any disputes incurred prior to the applicable amendment or modification. The latest Terms of Service will be posted on the Site, and you should review the agreement prior to using the Site. By your continued use of the Site, you hereby agree to comply with and be bound by all of the terms contained within the Agreement effective at that time.

Our Service

OTTO Insurance provides you the opportunity to receive insurance quotations from our network of insurance agents, brokers, carriers, and other insurance service providers. Once you provide us with the information required on our form, we attempt to match you with appropriate insurance agents, brokers, carriers or other service providers who can provide you with more information. We are not an insurance agent or insurance carrier, and hence, we do not issue insurance contracts or supply coverage ourselves, nor do we endorse or recommend any company or specific type of insurance policy. While we may advertise such services, we do not provide insurance, tax or financial advice of any kind. We do not guarantee that any of the insurance agents, brokers and/or companies to whom we forward your application will contact you or agree to provide you coverage. We are not responsible in any way, and disclaim all liability for the conduct of the insurance agents, brokers, discount program representatives and companies that are matched with your insurance application. The coverage provided by any service provider will be subject to the terms and conditions of the insurance policy under which it issued, and we have no control over such terms and conditions.

Accessing Our Site

You may only use the Site if you live in the United States and are at least 18 years old. Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site. We may also impose limits on certain features of the Site or restrict your access to part of or the entire Site, without notice or penalty. Each user is solely responsible and liable for his or her transmissions through this Site. OTTO Insurance does not charge users for use of the Site.

Prohibited Uses

You agree that you may not use the Site: 1. In any manner that is prohibited by law or regulation, or to facilitate a violation of any law or regulation; 2. To violate, plagiarize, or infringe on the intellectual property, contractual or privacy rights of any person in connection with any use of the Site; 3. To transmit unlawful, fraudulent, offensive, obscene, pornographic, abusive, threatening, discriminatory or otherwise obscene material, or to encourage conduct that would give rise to civil liability.

You agree that you will not impersonate OTTO Insurance personnel or other persons or entities or use any electronic mail message, device, software or programming routine that may impair or interfere with the operation of this Site.

You further agree that you will not violate or attempt to violate any security features of the Site, including, without limitation, (a) accessing content or data not intended for you, or logging onto a server or account that you are not authorized to access; (b) attempting to probe, scan, or test the vulnerability of the Site, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with service to any user, host, or network, including, without limitation, by means of submitting a virus to the Site, overloading, "flooding," "spamming," "mail bombing," or "crashing"; or (d) attempting to, or modifying, removing, disabling, or circumventing any proprietary notices or labels, copyright, logo, trademark, or any other intellectual property notices contained on the Site or in the materials or links featured on the Site; (e) copying or creating derivative works of the Site, or that otherwise infringe OTTO Insurance’s Intellectual Property; or (f) attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used to provide the Site. Any violation of OTTO Insurance’s system or network security may subject you to civil and/or criminal liability.

You agree that you are solely responsible for all activities that occur using your password/passphrase or account. You agree that OTTO Insurance and its employees may have access to your account and records as reasonably necessary to investigate complaints and maintain the Site in general.

Privacy Policy; User Data; Consent to Contact

In the course of your use of the Site, you may be asked to provide information or materials to us ("User Data"). User Data includes, for example, information you submit to us via your application to receive quotations. Our information collection and use practices with respect to User Data are set forth in our Privacy Policy which is incorporated herein by reference. Please read our Privacy Policy before submitting any User Data. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. We cannot be responsible for maintaining any User Data that you provide to us, and we may delete or destroy any such User Data at any time. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms of Service. In addition, we reserve the right to disclose User Data to third parties for purposes as intended by this Site, and to government authorities as requested and required.

By providing your contact information to us through the Site, you are consenting to receive communications from us directly, on our website or through a third party. We may periodically send you newsletters and other e-mails with offers and promotions. We may also contact you by telephone using an automated dialing system along with a pre-recorded message or interactive voice response system. If you no longer wish to receive these communications, please let us know by sending an email to ottoinsurance.com Customer Care at info@ottoinsurance.com. You may also opt-out by clicking on the unsubscribe link in our emails.

In addition, by submitting a request for quotes through the Site, you consent to be contacted by the service providers in our network via email or telephone. Once your information is submitted to these service providers, any request to opt-out or unsubscribe from their communications must be made directly through such service providers.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes unless we have your consent.

Exclusive Ownership of Rights

The Site and any necessary software used in connection with the Site contain proprietary and confidential information that is protected by intellectual property laws in all applicable jurisdictions. You acknowledge and agree that information and materials presented through the Site are protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly permitted by applicable law or as authorized by us, you agree not to modify, sell, distribute, transmit, broadcast, publicly perform or create derivative works based on the Site, in whole or in part. Any commercial use of this Site, or any portion thereof, is strictly prohibited.

OTTO Insurance grants you a personal, non-transferable and non-exclusive right and license to use the Site on a computer or other Internet device; provided that you do not (and do not allow any third party to) copy, reproduce, distribute, reverse engineer or otherwise exploit any content, code, data or materials on the Site. You agree not to modify the Site in any manner or form, nor to use modified versions of the Site for any purpose. We do not grant any license or other authorization to any user to use our trade names, trademarks, service marks or other marks or logos or those of our partners without our separate express written agreement. Third party marks are the property of their respective owners.

Any questions, comments, suggestions, or materials submitted to us through the Site will become our sole property. We will own all rights in such materials, and have the unrestricted right to use, publish and otherwise disseminate such information for any purpose, without attribution or compensation.

Security

The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and Services to you and maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard personal information about you.

DISCLAIMER OF WARRANTIES

The information and Services on this Site are provided "as is" and use of this Site is at your sole risk. OTTO Insurance makes no representations or warranties that the Site will be suitable for your needs, is complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. OTTO Insurance disclaims ALL REPRESENTATIONS, WARRANTIES AND GUARANTEES OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTIBILITY OR FITNESS FOR PARTICULAR PURPOSE. We do not and cannot warrant the performance or results that you may obtain by using the Site. We do not warrant that your access to or use of the Site will be uninterrupted, error free, or free of viruses or other harmful components. We do not warrant that the Site will meet your requirements or expectations.

LIMITATION OF LIABILITY

IN NO EVENT SHALL OTTO INSURANCE OR ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND THE SERVICES OFFERED HEREBY, OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00). THE ABOVE LIMITATION MAY NOT APPLY IN ALL JURISDICTIONS OR TO ALL USERS. IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE SITE.

Indemnification

You agree to indemnify, defend and hold harmless OTTO INSURANCE and the Protected Entities from any claim, demand, liability, dispute, damage, cost, expense, or loss, including reasonable attorney’s fees and costs of litigation, arising out of or related to your use of or access to the Site or the Services; your violation of these Terms of Service; your violation of any applicable law or regulation or right of a third party; and your acts or omissions. You shall cooperate as fully as reasonably required in defense of any such claim. You further agree to reimburse OTTO Insurance and the Protected Entities for any costs (including any attorney’s fees) incurred in receiving, managing, and/or responding to any claim arising out of or related to your use of the Site, and you agree to cooperate with us and our requests. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you.

Links from our Site

OTTO Insurance provides links to other sites for informational purposes only. We have no responsibility for the accuracy or availability of information provided by other sites to which you may link from the Site. The availability of these links does not constitute an endorsement of, or association with, such sites or the content, products, advertising or other materials presented on such sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods or services available on such sites.

Updates

These Terms of Service are subject to change from time to time and at any time, and such changes will be effective upon posting to the Site. Use of the Site following any modifications to the Terms of Service signifies your acceptance of such modifications.

Governing Law and Arbitration

The Site, Services, and these Terms of Service are governed by the laws of the State of Florida without giving effect to any principles of conflict of laws. If any provision of these Terms of Service shall be held to be invalid, illegal or unenforceable, the remaining provisions shall not in any way be affected or impaired.

By using this Site and/or the Services (including submitting a request for a quote) provided through the Site, you hereby submit to the jurisdiction of and agree that all controversies, claims, and disputes arising out of or related to your use of this Site, the Services, including the provision of your User Data to the Site and/or our subsequent transfer of your User Data to our network of insurance agents, brokers, carriers, and other insurance service providers, these Terms of Service, and the Privacy Policy (including the enforcement, interpretation, making, performance, breach, validity, or termination of these Terms of Services or the Privacy Policy), shall be submitted to and resolved by binding arbitration administered by a single, neutral arbitrator appointed by JAMS in accordance with its Comprehensive Arbitration Rules & Procedures, as then in effect. In addition to the laws of the State of Florida, the United States Federal Arbitration Act shall govern the interpretation, enforcement, and proceedings pursuant to this arbitration clause. The place of arbitration shall be at a JAMS location in Miami, Florida. In no event shall the arbitrator have any authority to award punitive or other damages not measured by the prevailing party’s actual damages, except as may be required by statute. Except as precluded by the JAMS Consumer Arbitration Minimum Standards, irrespective of the outcome of arbitration, each Party shall bear its own costs and expenses, including its own attorney’s fees. The arbitrator shall not determine or award any alternative allocation of costs and expenses, including any attorney’s fees. The arbitration shall not be consolidated in any arbitration with any claim or controversy of any other party. This arbitration agreement includes claims related to our clients, vendors, and Marketing Partners, including but not limited to those identified on the Site, which are third party beneficiaries of this arbitration agreement.

Judgment on the arbitration award may be entered in any court having jurisdiction thereof. You agree and submit to the personal jurisdiction and venue of any such court of competent jurisdiction. Either you or OTTO Insurance may seek any interim or preliminary relief from a court of competent jurisdiction necessary to protect the rights or property of you or OTTO Insurance pending the completion of arbitration.

EXCEPT AS OTHERWISE PROVIDED HEREIN, THE PARTIES HEREBY AGREE TO WAIVE THEIR RIGHT TO HAVE ANY DISPUTE BETWEEN THEM RESOLVED IN A COURT OF LAW OR BY A JUDGE OR JURY, AND THAT THE INFORMATION THAT CAN BE OBTAINED IN DISCOVERY FROM EACH OTHER OR FROM THIRD PERSONS IN ARBITRATION IS GENERALLY MORE LIMITED THAN IN A LAWSUIT. IN ADDITION, OTHER RIGHTS THAT THE PARTIES WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.

Regardless of any statute or law to the contrary, you agree that any claim or cause of action arising out of or related to your use of the Site, Services, and/or these Terms of Service, must be brought within one (1) year after such claim or cause of action arose or it shall be forever barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by OTTO Insurance to enforce or exercise any provision of these Terms of Service or related right shall not constitute a waiver of that right or provision.

Any action filed by either Party in any court in violation of this Section should be dismissed pursuant to this Section. You shall have thirty (30) days to opt out of the arbitration provision contained in this Section. After thirty (30) days, these terms of this Section hereby become final and binding.

Class Action Waiver

You hereby agree to refrain from and waive all rights to participate in a class action, a class-wide arbitration, claims brought in a representative capacity, or consolidated claims, including any involving the provision of your User Data to the Site and/or our subsequent transfer of your User Data to our network of insurance agents, brokers, carriers, and other insurance service providers, these Terms of Service. Upon the date of submission of your User Data, you shall have thirty (30) days to opt-out of this class action waiver agreement. After thirty (30) days these terms of this Section hereby become final and binding.

Severability

Each provision contained in this Agreement is intended to be severable, and the validity, legality, or enforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions contained in this Agreement. If for whatever reason, any term or condition in this Agreement is determined to be unenforceable, then such provision will be construed to reflect the intentions of the invalid or unenforceable provision, with all other provisions remaining in full force and effect.

E-Sign Consent

By entering the information requested in the prompts and/or fields on the Site and clicking "Agree and Continue below", "Next", "Agree and Submit" (or a similarly worded button) and submitting your request to OTTO Insurance, you confirm that you intend to sign and adopt such as your electronic signature; and consent and agree that we may provide you with electronic communications and disclosures (collectively, "Communications") via email at the email address you provided; and that your electronic signature on agreements and documents has the same effect as if you signed them in writing. You have the right to withdraw consent: to withdraw your consent at no charge, you may email us at info@ottoinsurance.com. Withdrawal of your consent may result in termination of your access to the Site and/or the Services. Any withdrawal will be effective only after a reasonable period of time for us to process the withdrawal. You are responsible for providing us with true and accurate information, including your contact information, and may update your information by emailing us. To access and retain the Communications, you will need the following: computer or mobile device with access/use of the internet or mobile connectivity and an operating system capable of receiving, accessing, and displaying Communications; a supported internet browser; sufficient storage space to save Communications and/or a printer to print them; and a valid email account and software to access such email account. You have the right to receive Communications in paper or in nonelectronic form. Please contact us at info@ottoinsurance.com to request a paper copy of any Communications at no charge. A request will not be treated as a withdrawal of consent to receive electronic Communications.

General

If any provision of this Agreement is found by to be invalid, the Parties agree that the arbitrator should give effect to the Parties’ intentions as reflected in the provision, and the remaining provisions will remain in effect. OTTO Insurance’s failure to act with respect to a breach by any person using the Site does not constitute a waiver of its right to act with respect to subsequent or similar breaches. OTTO Insurance may assign its rights and duties under this Agreement without such assignment being considered a change to and without notice to you. You may not assign this Agreement without the prior written consent of OTTO Insurance. These Terms of Service, the Privacy Policy, any operating rules, policies, or procedures that may be posted from time to time by OTTO Insurance on the Site, and any modifications to the foregoing, constitute the entire agreement between the Parties with regard to the subject matter in this Agreement and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in this Agreement will be deemed to constitute either Party as the agent or representative of the other Party, or both Parties as joint ventures or partners for any purpose.

Contact Information

If you have any questions or concerns, please email info@ottoinsurance.com, or contact us by mail at 1111 Lincoln Road, Suite 657, Miami Beach, FL 33139.

Need More Information or Do You Need Extra Help?

Further, if you have a disability which interferes with your ability to access these Terms of Service, we can make accommodations to present the Terms of Service in an alternative format to assist you. If you would like to receive these Terms of Service in another format that is accessible to your needs (for example: audio, large print, etc.), please contact us.