Quilt delivers refreshingly simple insurance for people who live online. These rules and expectations protect you and protect our company mission, so we are always around to cover you. Our goal is to keep them simple and easy to understand. If there’s something you’re not sure about, just ask.
We use the term “Quilt Tools” to refer to any of the products and services we sell online, any site information or tools provided on getquilt.com or our affiliated sites, any applications we develop for Android and iOS, and the growing community of people who use our platform. We use the term your “Quilt Account” to mean where you can find data about your insurance policies, your contact information, and any additional data you choose to add such as videos, photos, and property listings. When we write “we”, “our”, “us”, or “Quilt”, we mean Quilt, Inc., and Quilt Insurance Agency, LLC. And, any time we write “you” or “your”, we mean the person who is using the Quilt Tools (and reading these Terms.)
- Read our FAQ or start a chat if you have any questions about using Quilt.
- Get a quote, if we are available in your state, completely online, and then purchase right there if you like it!
- Start a claim at anytime, and chat with us, if you have any questions.
- Chat or email is easiest, but our traditional contact info is also in About Us.
- Find details on how we handle Copyright and DMCA below.
Remember: if you buy insurance using Quilt, there are important rules, conditions, exceptions, and requirements that apply to you and your insurance carrier in your issued insurance policy. Your rights and responsibilities are explained there. Your insurance policy will be emailed to you after you sign and pay your first payment. It will also be available in your Quilt Account.
These Terms apply to you. You agree, as long as you continue to use the Quilt Tools, to accept and follow these Terms, and to only use the Quilt Tools in the ways we allow. You understand that Quilt sells insurance and should only be used by those who can legally buy an insurance contract where they live. Quilt is not for children. If you do not want to keep true to these Terms, stop using the Quilt Tools. Quilt isn’t for everyone, check out Closing Your Account
if you have an account and wouldn’t like one anymore. Quilt may only sell insurance to you if you and your stuff are in a state where we are licensed.
Sometimes we may link to other companies or services, like an article, reference, referral, social media content, or promotion. We cannot guarantee each and every link since we don’t manage other companies’ or people’s content, and links can change after they’re posted. Quilt isn’t responsible for the practices of the sites or services to whom we link, including any of the content they show you. And, those sites are not acting or ruled by Quilt’s site policies. The information you may share with any third parties, like the sites and tools we may link to, are controlled by them and their site policies and terms. You understand and agree that we don’t have control of those sites and we are not responsible if you give any third party access to your data. You own any risk yourself for sharing information or viewing content on other sites.
This does not apply to sites we require you to visit in order to use the Quilt Tools, like tools for filing claims which may be hosted separately from Quilt’s main domain. Also, if any of the Quilt Tools provided to you contain an open source license, there may be provisions in those licenses that expressly conflict with the Terms, in which case, the open source provisions will apply.
Quilt offers insurance products and services through its insurance agency licensed affiliate Quilt Insurance Agency, LLC, a Massachusetts limited liability corporation, and licensed in life and personal lines in Alabama (License# 0765195), Colorado (License# 513894), Florida (License# 0908015), Georgia (License# 190859), Massachusetts (License# 1998883), North Carolina (License# 1000497193), South Carolina (Agency Code# 209660), Texas (License# 2124939), and Virginia (License #140330).
Quilt is not an insurance company, instead we provide the products and services of our admitted insurance carrier partners licensed to sell insurance in your state. Not all products are available in all states. Quilt is paid commissions and may receive other performance-based compensation for its services.
The products we offer are only for people who live in the United States. We don’t and don’t intend to sell insurance products outside the United States, or anywhere Quilt isn’t licensed.
Part of using the Quilt Tools is to help you get a quote for your purchase of insurance products. These prices change based on your answers to our questions during your application, your choices for different products, or due to changes of insurance pricing guides. For example, if you apply for life insurance just before your birthday, but don’t pay for it that day, it can cost more a few days later --- since it’s after your birthday and your price goes up as you get older. Whenever you leave your application before you pay, your price may change. Your price isn’t final and set until you sign and pay.
© 2017 Quilt, Inc. All rights reserved. Quilt and all of our logos and designs are trademarks and/or service marks of Quilt, Inc., a Delaware corporation, some of which are pending and/or registered in the United States. You may not use our images or logos without getting the okay from us.
We expect everyone enjoying Quilt to honor intellectual property rights. If something does not look right, you may send us copyright complaints. We will work quickly to remove the copyrighted material from Quilt identified by a valid complaint. Your notice must follow the requirements of U.S. Copyright Act 17 U.S.C. 512(c)(3) and all regulations promulgated, each as amended (Notice Requirements), and/or the specific requirements of the Digital Millennium Copyright Act of 1998 (DMCA), whichever applies. The Copyright Group only reviews notices related to copyright infringement and for compliance with the DMCA.
Here is a quick guideline for sending us a copyright complaint. Read the Notice Requirements and DMCA, for all the up-to-date specifics.
- Be submitted by the owner or representative of the copyrighted material in writing or email.
- Provide enough contact information to identify the owner of the copyrighted material and address, phone number, email address, and company information.
- If filed by a representative, explain your relationship to the copyright owner.
- List and describe infringing content with sufficient detail for us to identify it in the Quilt Tools and identify it as infringing on your copyrighted material.
- Include a link to the relevant material, if you require the link itself to be disabled, or the exact location where it may be found.
- State that the owner has, in good faith, a belief that the use of the described copyrighted material is not authorized by the owner, any agent, or by law. Can they apply the fair use doctrine?
- Provide a signed acknowledgement (on paper or electronically), under penalty of perjury, of the accuracy of the information in your complaint.
Be aware that if you inappropriately report a violation, infringement, or ownership of a copyright, you may be liable for damages (including reasonable costs and attorney's fees). Also, Quilt will send a copy of your statement to the person you are claiming posted infringing content.
Send all copyright complaints to firstname.lastname@example.org
or, as some laws still require it, you can also snail mail us letters:
Attn: Copyright Group
198 Tremont Street, Suite #448
Boston, MA 02116
Detailed information related to how we respond to infringement claims and copyright rights generally is provided below.
We think what we've built is pretty awesome. The Quilt Tools, our various logos, designs, business processes, and everything else that's part of our special sauce are protected by intellectual property rights including copyright, trademark, and other laws of the United States. Our Terms don't give you any right to use any of our intellectual property, other than while using the Quilt Tools.
Quilt is for your personal use, to learn about insurance, and to assist you in purchasing insurance products. You know the Quilt Tools contain proprietary content, information, and material of Quilt and third parties, which is protected by applicable laws including copyright laws.
You will honor Quilt’s ownership rights to the Quilt Tools and the rights of the other parties whose intellectual property is included in the Quilt Tools. You will not misuse the Quilt Tools or any third party intellectual property used along with the Quilt Tools. You may not copy or reproduce any of the Quilt Tools in any form or by any means; you may not rent, sell, lease, grant, modify, distribute, or create derivative works based on the Quilt Tools. You will not trespass, bypass, interfere with, disrupt anyone, host or network systems, burden the network capacity, overload, flood, spam, mail-bomb, infect, or install or send a virus, spyware, or any other malware or Trojan horse of any kind, or in any other way disrupt the proper operation of the Quilt Tools.
We aren’t granting you any right, title, or interest in the Quilt Tools.
We created a special place for you to keep all of your details and content in the Quilt Tools, like your policies, your key terms, and maybe a list of your insured property to make filing claims easier. It might include a video walk-through of your home or a picture of your dog. This space is important to us because it is important to you. There is a way to communicate with the Quilt team and share things you love with other people, too.
We use industry-leading tools and processes to keep your information safe. The most sensitive part of data security is your password. We need to be able to assume that anyone using your Quilt Account as you, by using your password and credentials, is you. We’ll never ask you for your password. Don’t share it with anyone. Always use a unique, hard-to-guess password. Quickly ask to reset your password if any hint that your password and credentials are ever at risk.
Also, by creating your Quilt Account, you agree that the information you share is true and accurate, and that you will keep your information up-to-date, complete, and accurate. This is important for both managing your insurance products and offering you exceptional service. For example, if you move to a new place, your policy will have to be updated since each state has different rules for insurance products and how they are priced within the state.
People deserve to feel safe when they are contributing to a larger community using their Quilt Account. Every person with a Quilt Account matters. And, it is expected that every person with a Quilt Account follow the guidelines of our Quilt community below. Anyone who doesn’t follow these guidelines may have their Quilt Account removed at any time. If you break a law, we’ll cooperate and notify the proper authorities. Our team is part of the Quilt Community, too, and will honor the same guidelines.
- Do: The right thing. Obey the law, be fair, and honor the rights of others. Protect others from discrimination, abuse, porn, lies, phishing, or spam. Pledge to make Quilt stronger, not weaker. Stay out of others’ accounts.
- Do: Spark joy in others. Show kindness when someone suffers from loss. Share who you are and what you love with others. Choose to laugh or smile when you could cry or frown.
- Do: Aim for exceptional. Keep offering ways to make things better. Be your best self, even when it’s tough. Use your own story, words, and pictures because they're better than any copyrighted content.
- Do: Keep it simple. Use Quilt to find support from your community and cover what matters most to you. Call us on legalese, when it’s not necessary. Let us know where there is waste or complexity.
- Do: Be open minded. Listen and learn about different ways to live and solve problems. Speak and act in a peaceful, respectful way. Look for what makes us alike. Try new things.
- Do: Get things done. Make progress on your goals. When something is wrong, say so. Fix or update your account if it needs it. Anticipate the needs of others.
- Don’t: Do anything illegal. Don't share or post copyrighted material that you don’t own. Don’t pretend to be something or someone you aren't, or mislead anyone.
- Don’t: Harm others. It is not okay to discriminate, harass, or harm others. The words and things that you share with the community matter. Nothing that makes someone feel unwelcome or unsafe is ever allowed on our site or tools.
- Don't: Be a lone wolf. Don't stay silent if you see something wrong. Don't hold back if you can help another person in the Quilt Community. Don't hesitate to reach out for help.
- Don’t: Break things. Don't flood or mail-bomb our systems or community. Don't add software, programs, links, or viruses that try to spy on, divert, or hurt our community or systems. Don’t use our site and tools to test, break, break into, overload, or exploit security weaknesses in our or third party systems.
- Don't: Distract from our mission. We are all part of Quilt to live our best lives, become whole after a loss, and cover what we love. It is not okay to advertise yourself or someone else. Make every post unique, valuable, and relevant. So, no spam allowed.
You can always remove your Quilt Account and delete your data that we aren't required to keep. Due to insurance regulations, we and your insurance carrier keep records of required information related to a purchased insurance policy. You may also cancel any insurance policy you buy using the Quilt Tools. If you do cancel your policy, your state’s insurance regulations and the specific terms of your insurance policy will explain exactly what happens.
If you stop using your Quilt Account and no longer have an active insurance policy, then we may remove you and your data from Quilt. Keeping our system clean and full of active Quilt Accounts allows us to offer the best performance and customer experience around. If your Quilt Account is removed, you won't be able to access it any longer.
, or any other Quilt policies. We may also suspend or cancel your right to use the Quilt Tools if you make a material misrepresentation or commit fraudulent acts related to the purchase, attempted purchase, or claim on an insurance product using the Quilt Tools. If we cancel your use of the Quilt Tools unrelated to your actions with respect to your insurance policy, then your bound insurance policy that you bought and continue to pay for is still a legally binding and enforceable insurance contract.
We also may suspend the Quilt Tools at any time. Again, this wouldn’t affect your bound insurance policy you bought and continue to pay for each month. It would still be a legally binding and enforceable insurance contract.
(Sorry for YELLING, judges prefer all caps sometimes.) Your insurance product isn’t part of this section. This is about continuously improving our site and tools.
We work hard to make the Quilt Tools better every day. But, sh!t happens. WE CANNOT PROVIDE YOU ANY WARRANTIES WITH RESPECT TO THE USE OF THE QUILT TOOLS, INCLUDING ANY AND ALL SOFTWARE INCLUDED THEREIN, IT IS PROVIDED “AS-IS”. YOU USE THE QUILT TOOLS WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND, AT YOUR OWN RISK. QUILT DISCLAIMS ANY AND ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not take on or assume any responsibility for any harm, loss, or corruption to you, your computer, or your data (or any third party data or computer) from your use of the Quilt Tools. Some states don’t allow for these limitations of liability. If you live in one of these states, then these warranties will be limited and the limitation on liability will be $100.00 in the aggregate for any and all claims.
The Quilt Tools include information to help you think through what insurance is best for you. We aren’t a replacement for your lawyer, financial advisor, or tax planning specialist. We simply provide useful information to help you think through your insurance decisions.
IN NO EVENT SHALL (I) QUILT BE LIABLE TO YOU OR ANY THIRD PARTY FOR SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE, AND (II) OUR LIABILITY FOR DAMAGES TO YOU OR ANY THIRD PARTIES EXCEED, IN THE AGGREGATE, THE FEES PAID BY YOU TO US DURING THE LAST YEAR PRIOR TO THE DATE SUCH CAUSE OF ACTION ARISES.
YOU ACKNOWLEDGE THAT (I) THE LIMITATIONS ON LIABILITY IN THIS SECTION ARE REASONABLE AND THAT THE PROVISIONS OF THIS SECTION ALLOCATE THE RISKS UNDER THIS AGREEMENT BETWEEN YOU AND US (AND OUR AFFILIATES), AND (II) WE AND YOU HAVE RELIED UPON THE LIMITATIONS SET FORTH HEREIN IN DETERMINING WHETHER TO AUTHORIZE YOU TO USE THE QUILT TOOLS. THE REMEDIES PROVIDED TO YOU IN THE TERMS ARE EXCLUSIVE. Some states do not allow for these limitations of liability. If you live in one of these states, these limits don’t apply to you, and the maximum liability for any of these violations will be $100.00 in the aggregate for any and all claims.
THE TERMS AND YOUR USE OF THE QUILT TOOLS WILL BE GOVERNED BY MASSACHUSETTS LAW EXCEPT FOR ITS CONFLICTS OF LAWS PRINCIPLES. ALL CLAIMS ARISING OUT OF OR RELATING TO THE TERMS OR ANY USE OF THE QUILT TOOLS WILL BE LITIGATED EXCLUSIVELY IN THE FEDERAL OR STATE COURTS RESIDING IN BOSTON, MASSACHUSETTS. WE AND YOU EACH CONSENT TO VENUE AND PERSONAL JURISDICTION IN BOSTON, MASSACHUSETTS.
You agree that these are the Terms for your use of the Quilt Tools, and you have not entered into any other agreement related to your use of the Quilt Tools. We haven’t and don’t create any third party beneficiary rights by the Terms. If we waive or fail to enforce any of the Terms, it doesn’t waive our right to enforce the Terms against you or someone else in the future. You may not assign any rights granted by the Terms to any third party, and any attempt to do so will be null and void. Quilt may assign the Terms to any affiliate, subsidiary, or any acquirer of substantially all of the assets or capital securities of Quilt. If a provision of the Terms is found unenforceable, the remaining provisions of the Terms will remain in full effect, and we will substitute a replacement enforceable term reflecting our intent as closely as possible.
We will change the Terms as Quilt and the insurance industry evolves and grows over time. The most up-to-date version will always be located at getquilt.com
. If you have a Quilt Account, we’ll let you know when the Terms are updated. Your continued use of the Quilt Tools, after a change to the Terms, means you agree to the Terms, including any changes. If you don’t agree with the Terms, please stop using the Quilt Tools.