Terms of Service

Last updated: April 27, 2026

These Terms of Service (“Terms”) govern your use of the websites located at wisechoicerate.com and megaleads.ai (“Site”), operated by Megaleads.ai LLC, a Wyoming limited liability company doing business as “Wise Choice Rate” (“Company,” “we,” “us”).

1. Acceptance of Terms

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Site.

2. Eligibility

You must be at least 18 years old to use the Site. By using the Site, you represent that you meet this requirement.

3. Nature of services

We are a marketing technology service that connects consumers seeking insurance quotes with insurance agencies and providers, including Point Insurance Agency. We are not an insurance company, broker, or agent. We do not underwrite policies, set rates, or determine eligibility. Insurance products are offered by licensed providers, and any purchase is governed by the terms of those providers.

4. Communications consent

By submitting a quote request, you provide express written consent to receive marketing communications by phone, SMS, and email from us and our partners, as detailed in the consent disclosure shown above the submit button. Standard message and data rates may apply. You can opt out at any time.

5. Accuracy of information

You are responsible for the accuracy of information submitted. Providing false information may result in invalidation of quotes or denial of coverage by providers.

6. Intellectual property

The Site, including text, graphics, logos, and software, is the property of Megaleads.ai LLC and protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

7. Disclaimers

THE SITE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND. WE DO NOT GUARANTEE THE ACCURACY OF QUOTES OR THAT YOU WILL OBTAIN COVERAGE. RATES SHOWN ARE ESTIMATES; ACTUAL POLICIES MAY DIFFER.

8. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MEGALEADS.AI LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY INSURANCE PRODUCT OBTAINED THROUGH IT.

9. Indemnification

You agree to indemnify and hold harmless Megaleads.ai LLC, its officers, employees, and partners from any claims arising out of your use of the Site or violation of these Terms.

10. Governing law

These Terms are governed by the laws of the State of Wyoming, without regard to conflict of law principles. Any dispute shall be resolved in the courts located in Wyoming.

11. Changes

We may update these Terms at any time. Continued use of the Site after updates constitutes acceptance.

12. Contact

Megaleads.ai LLC
Email: [email protected]