Terms & Conditions

Effective Date: August 30, 2026 Welcome to Electric Ride Insurance. These Terms & Conditions ("Terms") govern your access to and use of ElectricRideInsurance.com (the "Website"), which is operated by Monarch Marketing LLC ("Electric Ride Insurance," "we," "us," or "our"). By accessing or using the Website, submitting information through any form, or requesting insurance information or options through the Website, you agree to these Terms. If you do not agree to these Terms, please do not use the Website. 1. About Electric Ride Insurance Electric Ride Insurance is a marketing and lead-generation service designed to connect consumers seeking insurance for electric rides with independent insurance providers and other insurance-related businesses. Electric Ride Insurance is not an insurance company, insurance agent, insurance broker, underwriter, or insurance carrier. We do not: Issue or sell insurance policies Underwrite insurance Determine whether you qualify for insurance Set insurance premiums Determine policy limits or deductibles Bind or administer insurance coverage Handle insurance claims Guarantee insurance coverage or availability Insurance products and services are offered by independent third-party insurance providers. Those providers are solely responsible for their products, services, underwriting decisions, pricing, eligibility requirements, policy terms, exclusions, and claims. 2. Use of the Website You may use the Website for lawful purposes and only in accordance with these Terms. You agree not to: Use the Website for fraudulent, unlawful, or abusive purposes Submit false, misleading, or inaccurate information Submit information belonging to another person without authorization Attempt to interfere with or disrupt the Website Attempt to gain unauthorized access to the Website or its systems Introduce malware, viruses, or other harmful code Scrape, copy, reproduce, or systematically collect Website content without our written permission Use information obtained through the Website for unlawful purposes Circumvent security features or access restrictions We reserve the right to suspend or terminate access to the Website if we believe these Terms have been violated. 3. Insurance Requests and Leads When you submit information through an Electric Ride Insurance form, you are requesting information about potential insurance options. Submitting a form does not guarantee that: You will receive an insurance quote An insurance provider will contact you You will qualify for insurance Insurance will be available in your state You will receive a particular premium or coverage You will receive coverage from any particular provider Insurance providers independently determine whether they are willing to offer insurance based on their own underwriting guidelines and applicable laws. 4. Sharing of Information With Insurance Providers When you submit a request for insurance options, the information you provide may be shared with multiple participating insurance providers, insurance agencies, brokers, and other insurance-related partners. These third parties may contact you directly regarding: Insurance products Insurance quotes Coverage options Policy information Related insurance services Electric Ride Insurance does not control how third parties respond to your request, what products they offer, or whether they contact you. For additional information about how your information is collected, used, and shared, please review our Privacy Policy. 5. Communications and Consent By submitting your contact information through the Website, you may receive communications related to your insurance request from Electric Ride Insurance and/or participating insurance providers and partners, subject to the disclosures and consent you provide at the time of submission and applicable law. Communications may include telephone calls, text messages, emails, or other electronic communications. Consent to receive marketing communications is not a condition of purchasing insurance. Message and data rates may apply to text messages depending on your mobile carrier and plan. You may opt out of certain communications by following the instructions provided in those communications. 6. Third-Party Insurance Providers Electric Ride Insurance may introduce or connect you with independent third-party insurance providers. These providers are independent businesses and are not employees, agents, representatives, or affiliates of Electric Ride Insurance unless expressly stated otherwise. Electric Ride Insurance does not control and is not responsible for: The availability of insurance products Insurance quotes Premiums Coverage limits Deductibles Eligibility decisions Underwriting decisions Policy terms Policy exclusions Claims Customer service provided by third parties The accuracy of information provided by third parties Any insurance policy you obtain is a contract between you and the insurance provider. You should review all policy documents carefully before purchasing insurance. 7. No Insurance, Legal, or Financial Advice Information provided on the Website is intended for general informational and marketing purposes only. Nothing on the Website constitutes: Insurance advice Legal advice Financial advice Tax advice Professional advice You should consult an appropriately licensed insurance professional or other qualified professional regarding your individual circumstances and insurance needs. 8. Website Information We attempt to provide accurate and current information on the Website. However, we do not warrant that Website content is complete, accurate, current, or error-free. Insurance requirements, laws, regulations, products, pricing, and availability may change. Information about insurance products or providers may also change without notice. You should confirm important information directly with the applicable insurance provider. 9. Third-Party Links The Website may contain links to websites, services, or resources operated by third parties. These links are provided for convenience and do not constitute an endorsement, sponsorship, or guarantee of the third party or its products or services. Electric Ride Insurance does not control third-party websites and is not responsible for their: Content Privacy practices Security Products or services Terms and conditions Availability Your use of third-party websites is governed by their applicable terms and policies. 10. Intellectual Property The Website and its content, including text, graphics, logos, designs, images, trademarks, service marks, and other materials, are owned by or licensed to Electric Ride Insurance or its respective owners and are protected by applicable intellectual property laws. You may view and use the Website for personal, non-commercial purposes. You may not reproduce, modify, distribute, sell, publish, publicly display, or create derivative works from Website content without our prior written permission, except as permitted by applicable law. 11. User-Submitted Information When you submit information through the Website, you represent and warrant that: The information is accurate and truthful to the best of your knowledge You are authorized to provide the information You are not impersonating another person Your submission does not violate any law or third-party rights You understand that information submitted through our Website may be processed and shared as described in our Privacy Policy. 12. Disclaimer of Warranties To the fullest extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis. Electric Ride Insurance makes no warranties, express or implied, regarding the Website or its content, including warranties of: Accuracy Reliability Availability Fitness for a particular purpose Merchantability Non-infringement We do not guarantee that the Website will be uninterrupted, secure, error-free, or free of viruses or other harmful components. 13. Limitation of Liability To the fullest extent permitted by applicable law, Electric Ride Insurance and its owners, officers, employees, contractors, service providers, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to: Your use of or inability to use the Website Your submission of information Communications from third-party insurance providers Insurance products or services offered by third parties Insurance quotes or pricing Coverage decisions Underwriting decisions Policy terms or exclusions Claims or disputes with insurance providers Third-party websites or services Unauthorized access to information, except to the extent liability cannot legally be excluded To the fullest extent permitted by applicable law, our total liability arising from your use of the Website will not exceed the amount you paid, if any, to Electric Ride Insurance for use of the Website during the twelve months preceding the event giving rise to the claim. Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you. 14. Indemnification To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Electric Ride Insurance, Monarch Marketing LLC, and their owners, officers, employees, contractors, service providers, and affiliates from and against claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising from or related to: Your use of the Website Your violation of these Terms Your violation of applicable law Your submission of inaccurate or misleading information Your violation of another person's rights Your interactions or transactions with third-party insurance providers 15. Privacy Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, disclose, retain, and protect personal information. Our Privacy Policy is incorporated into these Terms by reference. 16. Electronic Communications When you communicate with us electronically, including by submitting forms, sending emails, or otherwise interacting with the Website, you consent to receiving electronic communications from us when permitted by applicable law. You agree that electronic communications, notices, disclosures, and agreements may satisfy legal requirements that such communications be in writing. 17. Changes to These Terms We may modify these Terms from time to time. When we make changes, we will update the Effective Date at the top of this page. Your continued use of the Website after updated Terms are posted constitutes your acceptance of the revised Terms, to the extent permitted by applicable law. 18. Termination We may suspend or terminate your access to the Website at any time if we believe you have violated these Terms, applicable law, or the rights of others. Sections that by their nature should survive termination—including provisions relating to intellectual property, disclaimers, limitations of liability, indemnification, privacy, and dispute resolution—will survive termination. 19. Governing Law These Terms will be governed by and interpreted in accordance with the laws of the State of Wyoming, without regard to its conflict-of-law principles, except to the extent that applicable law requires otherwise. Any dispute-resolution provisions, including venue, jurisdiction, arbitration, or class-action provisions, should be reviewed and finalized by legal counsel before publication. 20. Severability If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect to the fullest extent permitted by law. 21. Entire Agreement These Terms, together with our Privacy Policy and any other policies or disclosures expressly incorporated by reference, constitute the agreement between you and Electric Ride Insurance regarding your use of the Website, except where additional terms expressly apply. 22. Contact Information Questions regarding these Terms may be directed to: Electric Ride Insurance Operated by Monarch Marketing LLC Email: support@electricrideinsurance.com Website: ElectricRideInsurance.com IMPORTANT INSURANCE DISCLOSURE Electric Ride Insurance is a marketing and lead-generation service and is not an insurance company, agent, or broker. Insurance products and coverage are offered by independent, licensed insurance providers. When you submit a request for insurance options, your information may be shared with multiple participating insurance providers or insurance-related partners. Coverage availability, eligibility, pricing, and policy terms vary by provider and location. Submitting a request does not guarantee that you will receive an insurance quote, policy, or coverage.