Terms of Service

Parties and Definitions

These Terms of Service ("Terms") govern the relationship between you ("User," "you," or "your") and Stellar Edge Services LLC, an Indiana limited liability company doing business as OtterQuote ("OtterQuote," "Company," "we," "us," or "our"). OtterQuote operates the OtterQuote platform (the "Platform") at otterquote.com and associated subdomains. All references in these Terms to "OtterQuote" refer to Stellar Edge Services LLC in its capacity as operator of the Platform, unless the context expressly indicates otherwise.

1. Acceptance of Terms

By accessing and using the Platform, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, you may not use the Platform. OtterQuote reserves the right to modify these Terms at any time. Material changes to these Terms will require your affirmative acknowledgment before continued use of the Platform. OtterQuote will notify you of such changes via email or through the Platform at least 30 days before they take effect. Your continued use of the Platform following the effective date of any modification constitutes your acceptance of the modified Terms.

2. Description of Service

2.1 Intermediary Platform Only

OtterQuote operates exclusively as a technology intermediary. The Platform provides tools that allow homeowners to organize property and project information, present that information to contractors for bid purposes, compare competing bids, and communicate with contractors. OtterQuote is not a party to any agreement, contract, or transaction between a homeowner and a contractor facilitated through or signed on the Platform. No employment, agency, joint venture, or partnership relationship is created between OtterQuote and any User, contractor, or third party by virtue of these Terms or use of the Platform.

2.2 Platform Features

The Platform provides the following tools and features to facilitate the bid and project management process:

• A structured intake process for homeowners to document property information, damage details, and, where applicable, insurance claim data
• Tools to present that information to participating contractors and solicit competitive bids for insurance and retail projects
• Bid comparison and contractor communication tools
• Access to contractor profile information as self-reported by contractors
• Digital document management for project-related materials
• A digital contract signing process for agreements entered into directly between homeowners and contractors

2.3 What OtterQuote Does Not Do

OtterQuote is a neutral marketplace intermediary. OtterQuote does not and shall not be deemed to:

• Perform, supervise, or guarantee any contractor work or project outcome
• Verify, warrant, or guarantee the accuracy, completeness, or reliability of any information submitted by contractors or homeowners through the Platform
• Serve as a party to, guarantor of, co-obligor under, or surety for any contract or agreement signed through the Platform
• Negotiate with insurance companies on behalf of homeowners or act as a public adjuster, insurance agent, or insurance broker
• Perform background checks, criminal history screenings, or independent verification of contractor license status, insurance coverage, bonding, or credentials beyond requiring contractors to self-attest to compliance and, where applicable, provide a certificate of insurance
• Guarantee bid accuracy, material pricing, project timelines, workmanship quality, or any specific project or claim outcome
• Provide legal, financial, tax, or insurance advice (see Section 3)

2.4 No Endorsement

The inclusion of any contractor on the Platform does not constitute an endorsement, recommendation, certification, or warranty by OtterQuote of that contractor's services, qualifications, workmanship, financial condition, or fitness for any particular project. Users are solely responsible for evaluating contractors and entering into agreements with them.

3. Important Disclaimers

3.1 Not a Public Adjuster

OtterQuote is not a public adjuster, insurance agent, or insurance broker. We do not negotiate with insurance companies on your behalf, and we do not have the authority to bind your insurance company to any agreement. You are responsible for all communications with your insurance company.

3.2 No Claim Guarantees

OtterQuote makes no guarantee regarding the outcome of any insurance claim filed by you, including but not limited to the amount of compensation you will receive, whether your claim will be approved, or the timeline for claim resolution. OtterQuote does not guarantee, warrant, or represent: (a) the accuracy or completeness of any insurance estimate, scope of loss, or adjuster report reviewed or presented through the Platform; (b) the availability or recoverability of depreciation, supplemental payments, or any other insurance benefit; or (c) the interpretation of any insurance policy, endorsement, exclusion, or other document. Insurance claim outcomes depend on your policy terms, the specific circumstances of your loss, and your insurance company's assessment. You are solely responsible for reviewing your policy and communicating with your insurer.

3.3 Not Legal Advice

The information and resources provided through the Platform are for informational purposes only and do not constitute legal advice. OtterQuote is not a law firm and does not provide legal services. You should not rely on any information on the Platform as a substitute for professional legal counsel. This includes, without limitation, any contract, agreement, or document presented, generated, or signed through the Platform. You are strongly encouraged to consult with a qualified attorney in your jurisdiction before signing any contract or agreement facilitated through the Platform. If you have legal questions about your insurance claim, a project agreement, or any other matter, you should seek independent legal counsel.

3.4 Not Financial or Tax Advice

The OtterQuote Platform does not provide financial or tax advice. Any information regarding compensation amounts, settlement offers, or financial considerations is for informational purposes only. You should consult with a qualified financial advisor or tax professional regarding the financial and tax implications of any insurance claim settlement.

3.5 Not Insurance

The OtterQuote Platform does not provide insurance coverage or replace your insurance policy. You remain responsible for maintaining appropriate insurance coverage and understanding your policy terms and conditions.

3.6 No Contractor Warranty

OtterQuote does not warrant, guarantee, or represent the qualifications, licensing, insurance status, financial condition, or fitness of any contractor accessible through the Platform. While OtterQuote requires contractors to self-attest to compliance with applicable licensing and insurance requirements and, where applicable, to provide a certificate of general liability insurance, OtterQuote does not independently verify the accuracy or currency of those attestations or certificates. OtterQuote further makes no warranty or guarantee regarding the quality, timeliness, accuracy, or completeness of any work performed or information provided by any contractor through the Platform. You are strongly encouraged to independently verify all contractor credentials, licensing, insurance coverage, and the accuracy of any information a contractor provides before entering into any agreement or authorizing any work.

4. User Eligibility

To use the OtterQuote Platform, you must meet the following criteria:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Be a homeowner or authorized representative of a homeowner with an active insurance claim
• Have a valid email address and phone number
• Be able to enter into binding contracts in your jurisdiction
• Not be located in or a resident of any jurisdiction where the Platform is prohibited

5. Account Creation and Authentication

5.1 Account Information

When creating an account on the OtterQuote Platform, you agree to provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5.2 Authentication Methods

OtterQuote uses secure authentication methods including email verification, password protection, and may utilize additional authentication factors for enhanced security. You agree to comply with all security measures implemented on the Platform.

5.3 Account Responsibility

You are solely responsible for all activities conducted through your account. You must notify OtterQuote immediately of any unauthorized access or breach of security related to your account.

5.4 Account Termination

OtterQuote reserves the right to terminate or suspend your account at any time for violation of these terms, illegal activity, or any conduct deemed harmful to the Platform or other users.

6. Homeowner Responsibilities

As a homeowner using the OtterQuote Platform, you agree to:

• Provide accurate information about your property and insurance claim
• Upload complete and truthful documentation and photos
• Communicate promptly and professionally with contractors
• Review and verify all information before submission to insurance companies
• Comply with all applicable laws and insurance company requirements
• Not misrepresent damages, inflate claim amounts, or commit insurance fraud

7. Contractor Responsibilities

As a contractor using the OtterQuote Platform, you agree to:

• Provide accurate estimates and professional assessments
• Maintain all required licenses, permits, and insurance coverage
• Communicate professionally and promptly with homeowners
• Comply with all local building codes and regulations
• Not engage in fraudulent activity or misrepresent services
• Respect the confidentiality of homeowner information

8. Platform Fees

8.1 Fee Structure

OtterQuote charges a service fee of 5% on the settlement amount paid by insurance companies for repairs coordinated through the Platform. This fee is charged to contractors, not directly to homeowners.

8.2 Fee Disclosure and Lock-In

All fees are clearly disclosed to contractors before they enter into any agreement with homeowners through the Platform. Once a contractor accepts a project, the fee structure is locked in for that specific project.

8.3 Payment Terms

Fees are calculated and due upon receipt of insurance payment for the repairs. OtterQuote handles all fee collection and payment processing.

8.4 No Refunds

Except as required by law, all fees paid are non-refundable. OtterQuote does not refund platform fees in cases where projects are terminated or completed by other means. This Section 8.4 does not apply to the Hover Measurement Fee Rebate described in Section 8.5, which is governed by the terms of that section.

8.5 Hover Measurement Fee and Rebate

When you elect to obtain a Hover 3D measurement report through the Platform, you authorize OtterQuote to charge your selected payment method a measurement fee of $79 USD (the "Hover Measurement Fee"). The amount of the Hover Measurement Fee is subject to change and will be displayed on the measurement purchase page at the time of payment. By completing that payment, you agree to the terms of this Section 8.5.

What the Fee Covers. OtterQuote uses the Hover Measurement Fee to order an aerial/photo-based measurement report from Hover, Inc. on your behalf. The resulting measurement report is yours to keep, regardless of whether you subsequently contract with any contractor through the Platform.

Conditions for the Rebate. OtterQuote will refund the Hover Measurement Fee in full (the "Rebate") if all of the following occur: (i) you enter into a signed contract with a contractor through the Platform for the project tied to the claim for which you purchased the Hover report; (ii) that contract proceeds to completion and the contractor's platform fee obligation is satisfied; and (iii) no chargeback, reversal, or refund dispute is pending or resolved against you in connection with the original Hover Measurement Fee payment.

How and When the Rebate Is Issued. When the conditions above are met, OtterQuote will issue the Rebate automatically as a refund to the original payment method used to pay the Hover Measurement Fee. Rebates are typically issued within a few business days after the triggering project-completion event and may take an additional 5–10 business days to appear on your statement, depending on your card issuer or bank. OtterQuote is not responsible for delays attributable to your payment processor or bank.

When the Rebate Is Not Owed. The Hover Measurement Fee is not rebated and is retained by OtterQuote if: (i) you do not enter into a contract with an OtterQuote contractor for the project; (ii) you select a contractor through the Platform but the project is abandoned, cancelled prior to contractor payment completion, or otherwise does not reach the completion event described above; (iii) you contract with a contractor outside the Platform for the project, whether after browsing bids on the Platform or otherwise; or (iv) the original Hover Measurement Fee payment is subject to a chargeback or reversal. In each such case, you retain the Hover measurement report for your own use; the $79 compensates OtterQuote for the cost of ordering the report on your behalf.

Project Switching Within the Platform. If you switch from one OtterQuote contractor to another within the Platform (a "switch-contractor" event), Rebate eligibility follows the project; completion by the replacement contractor satisfies condition (ii) above. If you leave the Platform entirely, you forfeit the Rebate and are bound by the contract you signed with your originally selected contractor.

Partial Rebates. OtterQuote does not issue partial Rebates. The Rebate is either issued in full when the conditions above are met or not issued at all.

Chargebacks and Disputes. Initiating a chargeback or payment dispute with your card issuer or bank in connection with the Hover Measurement Fee, or with any other fee governed by these Terms, forfeits any Rebate that might otherwise be owed, is a breach of these Terms, and may result in suspension of your account.

9. Content and Intellectual Property

9.1 User-Generated Content

By uploading content to the OtterQuote Platform, you grant OtterQuote a non-exclusive, royalty-free license to use, reproduce, modify, and distribute your content as necessary to provide the services described in these terms.

9.2 Platform Intellectual Property

All content on the OtterQuote Platform, including text, graphics, logos, images, software, and design elements, is the property of OtterQuote or its content providers and is protected by international copyright laws. You may not reproduce, distribute, or transmit any content without prior written permission from OtterQuote.

9.3 Limited License

OtterQuote grants you a limited, non-exclusive, non-transferable license to access and use the Platform for its intended purpose. This license does not include the right to modify, sell, distribute, or create derivative works from the Platform or its content.

10. Data Privacy and Security

OtterQuote takes the privacy and security of your personal information seriously. For detailed information about how we collect, use, and protect your data, please refer to our Privacy Policy. By using the Platform, you consent to the collection and use of your information as described in our Privacy Policy.

11. Limitation of Liability

11.1 Disclaimer of Warranties

THE OTTERQUOTE PLATFORM AND ALL SERVICES PROVIDED ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. OTTERQUOTE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. OTTERQUOTE DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS.

11.2 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OTTERQUOTE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF USE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11.3 Total Liability Cap

OTTERQUOTE'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE PLATFORM SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO OTTERQUOTE IN THE 12 MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

11.4 Assumption of Risk

You assume all risk associated with your use of the OtterQuote Platform and all information obtained through the Platform. You are solely responsible for any damage to your computer system or loss of data resulting from your use of the Platform.

12. Indemnification

You agree to indemnify, defend, and hold harmless OtterQuote, its officers, directors, employees, and agents from any and all claims, damages, liabilities, costs, and expenses (including reasonable attorney's fees) arising from or related to:

• Your use of the OtterQuote Platform
• Your violation of these Terms of Service
• Your infringement of any third-party intellectual property rights
• Any fraud, misrepresentation, or illegal activity conducted through your account
• Damage caused by your interactions with contractors or homeowners connected through the Platform

13. Termination

13.1 Termination by User

You may terminate your account at any time by submitting a termination request through your account settings. Upon termination, your access to the Platform will be revoked immediately.

13.2 Termination by OtterQuote

OtterQuote reserves the right to terminate or suspend your account immediately, without notice, for any violation of these Terms of Service, including but not limited to fraudulent conduct, illegal activity, misrepresentation, abuse of other users, repeated non-payment, or any other conduct that OtterQuote determines, in its sole discretion, is harmful to users, third parties, or the Platform. OtterQuote may also terminate or suspend accounts upon notice for any other reason, including business or operational reasons.

13.3 Effect of Termination

Upon termination, your right to access or use the Platform will immediately cease. OtterQuote is not liable for any damages resulting from termination of your account. Any provisions of these Terms that by their nature should survive termination shall remain in effect, including but not limited to ownership provisions, warranty disclaimers, indemnification obligations, and limitations of liability.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law principles.

14.2 Venue

Any legal action or proceeding arising from or related to these Terms shall be brought exclusively in the state or federal courts located in Marion County, Indiana. You consent to personal jurisdiction and venue in such courts.

14.3 Informal Resolution

Before initiating any formal dispute, you agree to attempt to resolve the matter informally by contacting OtterQuote at support@otterquote.com and providing written notice describing the dispute. OtterQuote will attempt to resolve the dispute within 30 days of receipt. If the dispute is not resolved within 30 days, either party may pursue formal remedies.

14.4 Limitation on Claims

Any claim arising out of or related to these Terms or your use of the Platform must be filed within one (1) year after the claim arises, or it is permanently barred.

15. Miscellaneous

15.1 Entire Agreement

These Terms of Service, together with the Privacy Policy and any other agreements or policies incorporated by reference, constitute the entire agreement between you and OtterQuote regarding your use of the Platform and supersede all prior agreements, understandings, and representations.

15.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

15.3 Waiver

OtterQuote's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. No waiver shall be effective unless made in writing.

15.4 Assignment

You may not assign or transfer your rights under these Terms without OtterQuote's prior written consent. OtterQuote may assign its rights and obligations under these Terms without restriction.

15.5 Updates to Terms

OtterQuote reserves the right to update these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the effective date. Your continued use of the Platform after changes are posted constitutes your acceptance of the updated Terms.

16. Contact Information

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