Terms of Service

Welcome to mibiwow.com (the "Site"), operated by Mibiwow ("we," "us," or "our"). By accessing or using our Site and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Site.

1. Description of Services

Mibiwow is a lead generation and performance marketing platform that connects consumers seeking auto insurance quotes and home improvement services with licensed insurance agents, carriers, and qualified contractors ("Service Providers").

Our services include but are not limited to:

• Collecting consumer information through online forms for auto insurance quotes
• Matching consumers with home improvement contractors for roofing, HVAC, solar, windows, and other services
• Delivering qualified leads to Service Providers in real time
• Providing analytics and campaign management tools to Service Providers

2. Important Disclaimers

Mibiwow is not an insurance company, insurance agent, or contractor. We do not sell, underwrite, or bind insurance policies. We do not perform, supervise, or guarantee any home improvement work. We are a technology platform that facilitates connections between consumers and Service Providers.

Quotes and offers you receive from Service Providers are theirs alone. We do not guarantee the accuracy, availability, or pricing of any quote or offer. You are responsible for evaluating and selecting any Service Provider you choose to work with.

3. User Eligibility

You must be at least 18 years old and a resident of the United States to use our services. By using our Site, you represent and warrant that you meet these requirements and that all information you provide is accurate and truthful.

4. User Obligations

When using our Site, you agree to:

• Provide accurate, current, and complete information in all forms and communications
• Not submit false, misleading, or fraudulent information
• Not use the Site for any unlawful purpose or in violation of any applicable laws
• Not attempt to interfere with, disrupt, or overload our systems or infrastructure
• Not scrape, harvest, or collect data from the Site without our written permission
• Not impersonate any person or entity, or misrepresent your affiliation

5. TCPA Consent & Communications

By submitting your phone number through our forms, you provide your prior express written consent to receive:

• Telephone calls, including calls made using an automatic telephone dialing system or prerecorded/artificial voice
• SMS/text messages
• Email communications

These communications may come from Mibiwow and/or our network of Service Providers regarding the products and services you inquired about. Standard message and data rates may apply.

Consent is not required as a condition of purchasing any goods or services. You may revoke consent at any time by:

• Replying STOP to any text message
• Emailing Kristen@mibiwow.com
• Calling +1 623-483-9978

6. Lead Data & Information Sharing

When you submit information through our Site, you understand and agree that:

• Your information will be shared with one or more Service Providers who may contact you
• You may receive multiple calls, texts, or emails from different Service Providers
• The number of Service Providers who contact you may vary based on your location and inquiry type
• We make reasonable efforts to partner with reputable Service Providers but do not guarantee their quality or service

For more details on how we handle your data, please review our Privacy Policy.

7. Intellectual Property

All content on the Site — including text, graphics, logos, design elements, and software — is the property of Mibiwow or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any content on the Site without our prior written consent.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MIBIWOW SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• Your use of or inability to use the Site or services
• Any actions taken by Service Providers, including the quality or outcome of their products or services
• Any unauthorized access to or alteration of your personal information
• Any errors, omissions, or inaccuracies in the content on the Site

Our total liability to you for any claim arising from these Terms or your use of the Site shall not exceed the amount you paid to Mibiwow (if any) in the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Mibiwow, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

10. Governing Law & Disputes

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in New York County, New York.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with a revised "Last Updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13. Contact Us

If you have questions about these Terms of Service, please contact us:

• Email: Kristen@mibiwow.com
• Phone: +1 623-483-9978
• Address: 8730 62nd Ave APT 3F, Flushing, NY