# QuoteAmerica.org Privacy Policy & Terms of Service
**Effective Date: October 20, 2025**

## 1. Introduction

Welcome to QuoteAmerica.org. This document contains our Privacy Policy and Terms of Service, which govern your use of our website and services. By accessing or using QuoteAmerica.org, you agree to be bound by these terms and consent to our privacy practices as described herein.

## 2. Terms of Service

### 2.1 Account Registration and Security

When you create an account with QuoteAmerica.org, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your password and account, and are fully responsible for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

### 2.2 Acceptable Use

You agree not to use QuoteAmerica.org for any purpose that is unlawful or prohibited by these terms. Prohibited activities include, but are not limited to:
- Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running QuoteAmerica.org
- Using the service for any fraudulent or illegal purpose
- Uploading invalid data, viruses, worms, or other software agents through the service
- Impersonating another person or otherwise misrepresenting your affiliation with a person or entity
- Collecting or harvesting any personally identifiable information from the service

### 2.3 Intellectual Property

All content, features, and functionality of QuoteAmerica.org, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of QuoteAmerica.org or its licensors and protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

### 2.4 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL SUBSIDYPROGRAMS.ORG, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SERVICE, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT SUBSIDYPROGRAMS.ORG HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

### 2.5 Disclaimer of Warranties

SUBSIDYPROGRAMS.ORG IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

### 2.6 Termination

We reserve the right to terminate or suspend your account and access to the service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms of Service.

### 2.7 Governing Law

These Terms of Service shall be governed by the laws of the State of California, without respect to its conflict of laws principles. You and QuoteAmerica.org agree to submit to the personal and exclusive jurisdiction of the courts located within the county of [County Name], California.

### 2.8 Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of any material changes by posting the new Terms of Service on the website and updating the "effective date" at the top of this document. Your continued use of the service after such changes constitutes your acceptance of the new terms.

## 3. Privacy Policy

### 3.1 Information We Collect

#### Personal Information
- Contact information (name, email address, phone number)
- Account information (username, password)
- Financial information (as necessary for our services)
- Device and usage information (IP address, browser type, operating system)

#### Non-Personal Information
- Aggregated usage data
- Demographic information

### 3.2 How We Use Your Information

We may use the information we collect for various purposes, including:
- Providing, maintaining, and improving our services
- Processing transactions and sending related information
- Sending promotional communications, if you have opted in
- Responding to your comments, questions, and requests
- Monitoring and analyzing trends, usage, and activities
- Detecting, preventing, and addressing fraud and security issues

### 3.3 Information Sharing and Disclosure

We may share your information in the following situations:
- With third-party service providers who perform services on our behalf
- To comply with legal obligations
- In connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition
- With your consent or at your direction

We do not sell your personal information as defined under the California Consumer Privacy Act (CCPA).

### 3.4 Cookies and Other Tracking Technologies

We use cookies and similar tracking technologies to track activity on our service and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

### 3.5 Data Security

We implement appropriate technical and organizational measures to protect the security of your personal information. However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

### 3.6 Your Rights Under California Privacy Laws

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have certain rights regarding their personal information, including:
- The right to know what personal information we collect
- The right to delete personal information we have collected
- The right to opt-out of the sale of personal information
- The right to non-discrimination for exercising your rights

To exercise these rights, please contact us using the information provided in Section 4.

### 3.7 Children's Privacy

QuoteAmerica.org is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

### 3.8 Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "effective date" at the top of this document.

## 4. Contact Us

If you have any questions about these Terms of Service or Privacy Policy, please contact us at:

QuoteAmerica.org


## 5. Acceptance of Terms

By using QuoteAmerica.org, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy and Terms of Service.

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**Last Updated: October 20, 2025**