Welcome to nextainsurance.app (the "Website"), owned and operated by Nexta Insurance LLC ("Nexta Insurance," "we," "us," or "our"). By accessing, browsing, or utilizing any portion of this Website, our rate comparison tools, quote forms, or related services, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.
1. Scope & Nature of Services
Nexta Insurance provides an online consumer matching platform connecting drivers seeking auto insurance with a broad network of licensed third-party insurance companies, brokers, discount providers, and independent agents.
- Not an Underwriter: Nexta Insurance is not an insurance carrier. We do not underwrite policies, evaluate claims, or directly provide insurance coverage.
- No Guarantee of Approval: Submitting a quote questionnaire does not guarantee that you will receive an insurance quote, approval, or specific policy terms. All rates and coverages are determined solely by participating carriers under their independent underwriting guidelines.
- No Obligation: Our rate matching service is provided free of charge with zero obligation to purchase any insurance policy.
2. User Representations & Form Submissions
By submitting an inquiry or questionnaire on nextainsurance.app, you agree and represent that:
- You are at least 18 years of age and a legal resident of the United States.
- All information you provide (including vehicle details, prior insurance history, and driving profile) is accurate, truthful, and complete.
- You are requesting an auto insurance rate comparison in good faith and have an insurable interest in the vehicles described.
- You will not submit misleading or fraudulent inquiries or use automated bots to harvest data from our platform.
3. SMS Messaging Operations & 10DLC Mandatory Terms
10DLC Text Messaging Program Terms
When you provide your mobile telephone number on our quote wizard or contact form and check the voluntary SMS consent box, you enroll in the Nexta Insurance Auto Quote Notification Program.
- Program Description: Messages sent via this program include real-time rate match alerts, policy pre-qualification notifications, quote follow-up communications, and customer service assistance.
- Voluntary & Optional: Consent to receive text messages is never a condition of purchase, service availability, or policy quote receipt. You may obtain quote comparisons by phone or email without consenting to SMS.
- Message Frequency: Message frequency varies depending on the status of your quote inquiry and your ongoing interactions with our representatives. Recurring messages may occur until you cancel.
- Cost & Data Rates: Standard message and data rates may apply as charged by your wireless carrier. Check your wireless plan for details.
- Opt-Out Protocol (STOP): You can cancel your SMS enrollment at any time by simply replying STOP to any text message from us. After sending STOP, you will receive a single confirmation message confirming your unsubscription, and no further SMS messages will be sent.
- Help Protocol (HELP): For assistance or support regarding our SMS communications, reply HELP to any message, call us at (888) 627-2078, or email info@nextainsurance.app.
- Non-Sharing Commitment: No mobile information will be shared with third parties for marketing purposes. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
- Carrier Liability Disclaimer: Mobile carriers (including AT&T, T-Mobile, Verizon, Sprint, and regional network operators) are not liable for delayed, misdirected, or undelivered messages.
4. Intellectual Property Rights
All content, visual interfaces, graphics, design system code, brand names, logos, text, and software on nextainsurance.app are the exclusive property of Nexta Insurance LLC or its content licensors and are protected under United States and international copyright, trademark, and intellectual property laws. You may not copy, reproduce, distribute, or reverse-engineer any part of this platform without prior written consent.
5. Disclaimer of Warranties
THE WEBSITE AND ALL RATE ESTIMATION TOOLS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR DEFECTS.
6. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL NEXTA INSURANCE LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE WEBSITE, ANY INSURANCE QUOTES OFFERED BY THIRD-PARTY CARRIERS, OR ANY TRANSACTION ENTERED INTO WITH THIRD-PARTY INSURANCE PROVIDERS.
7. Governing Law & Dispute Resolution
These Terms and any dispute arising out of or related to your use of the Website shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms shall be instituted exclusively in the federal or state courts situated in Maricopa County, Arizona.
8. Contact Information
For questions or notices concerning these Terms of Service, please reach out to us at:
Nexta Insurance LLC
Attn: Legal Department
4539 N 22ND ST, STE N, PHOENIX, AZ, 85016, USA
Phone: (888) 627-2078
Email: info@nextainsurance.app