Terms & Conditions

1.Acceptance of these terms

These Terms & Conditions ("Terms") are a binding agreement between you and Drivmira, a brand of The Nelson M Group LLC ("Drivmira," "we," "us"). They govern your use of drivmira.com and related services, including email and text-message programs (the "Services"). By using the Services or submitting a form, you agree to these Terms, our Privacy Policy, and, if you opt in to texts, our SMS Terms. Do not use the Services if you disagree with any of this.

2.What Drivmira is, and is not

Drivmira is an information service. We publish general, plain-language data about how insurance works, how to read a policy, and what tends to affect insurance costs, and let visitors opt in to related updates. We do not sell insurance, give quotes, rates, or price estimates, match people with agents or insurers, or refer people to providers, and we do not share your details with agents, insurers, or any other business partners.

• Decisions about your insurance are yours. Reading our content does not obligate you to do anything.
• Your own insurer or agent, not Drivmira, explains the terms, limits, exclusions, and costs of any policy, and is responsible for your coverage.
• Costs, coverage, and savings vary by person, plan, and location. We never guarantee that you will save any amount, qualify for any coverage or discount, or get any particular result.

3.Eligibility

You may use the Services only if you are 18 or over, are in the United States, and are able to agree to a binding contract. Information you submit must be about you, or about a person who has authorized you to submit it.

4.Your information and accuracy

You promise that what you submit is accurate and up to date, and you will update it if anything changes. The mobile number you enter must be one you own or have authority to use. If your number changes or is reassigned, please reply STOP from the old number or contact us so that we do not message someone else.

5.Communications and text-message consent

If you choose to opt in, you consent to being contacted by email and, if you tick the boxes that apply, by automated text messages as set out in the SMS Terms. Consent to texts is optional, is not a condition of purchase or of using the Services, and may be withdrawn at any time by replying STOP. Message frequency varies. Message and data rates may apply. Reply HELP for help.

6.Text messaging: rates, frequency, STOP and HELP

Message and data rates may apply. Message frequency may vary (up to about 8 messages a month, depending on the topics you choose). Text START to join at 877-270-1735, or opt in with the form on our Get Started or text updates page. Consent is not a condition of purchase or of using the Services.

• STOP: Reply STOP to any message to opt out (STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT also work). You will get one confirmation text and then no more messages.
• HELP: Reply HELP to any message for help, or contact us by email at [email protected] or by phone at 877-270-1735.

Mobile information and opt-in data are not sold or shared with third parties or affiliates for marketing or promotional purposes. See the Privacy Policy and SMS Terms.

Our text-message number is 877-270-1735.

7.Acceptable use

The next are prohibited: (a) submitting false or misleading information, or information about someone else without authority; (b) unlawful, fraudulent, or abusive use of the Services; (c) disrupting the Services or attempting unauthorized access; (d) using bots or automation to submit forms; (e) copying, scraping, or reselling our content without permission; and (f) impersonating a person or entity. Breaking these rules may lead us to suspend or end your access.

8.Third-party organizations and links

Organizations, programs, and products mentioned on or linked from the Services (for instance state insurance departments, consumer groups, or insurers) are run independently of us. Mentioning one is not an endorsement of any product, plan, or provider, and we are not responsible for third-party conduct, content, or results. Your relationship with an insurer or agent is between you and them.

9.Intellectual property

The Services, including the Drivmira name, logo, text, graphics, and design, are the property of us or our licensors, protected under intellectual property laws. We license you, on a limited, revocable, non-exclusive, non-transferable basis, to view and use the Services for personal and non-commercial uses only. Each photograph on the Site is used under its free-use license.

10.Disclaimers

The services and all content are provided "as is" and "as available" without warranties of any kind, whether express or implied, among them implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We will not warrant that the services will be uninterrupted, error-free, or secure, or that any message will be delivered or delivered on time.

Drivmira does not provide insurance, legal, or financial advice, and makes no representation about any policy, coverage, price, savings amount, or claim outcome.

11.Limitation of liability

Where the law permits, Drivmira and The Nelson M Group LLC, and their members, managers, officers, employees, and agents, will not be liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages, among them loss of profits, data, or goodwill, that arise from your use of (or inability to use) the services or from a insurance decision you make or do not make, and our total liability for any claim relating to the services will not exceed one hundred U.S. dollars ($100).

Because some jurisdictions restrict certain limitations, portions of the above may not apply to you. Nothing here limits liability that cannot lawfully be limited.

12.Indemnification

You agree to indemnify and hold harmless The Nelson M Group LLC and its affiliates and personnel from claims, damages, and expenses (such as appropriate attorneys' fees) arising from your violation of these Terms, your misuse of the Services, or your provision of a phone number or other data that you were not authorized to provide.

13.Disputes, governing law, and arbitration

Informal resolution first. Please contact us at [email protected] and give us 30 days to try to resolve it.

Binding arbitration. Excluding small-claims matters and claims for injunctive relief for intellectual-property misuse, any dispute between you and Drivmira or The Nelson M Group LLC about these Terms or the Services is to be resolved by final and binding individual arbitration under the American Arbitration Association's Consumer Arbitration Rules. You may elect to hold it in your county of residence or by video or phone. The arbitrator may grant individual relief equal to what a court could, and judgment might be entered in any court of competent jurisdiction.

Class-action waiver. Both you and Drivmira agree, as far as the law permits, to pursue claims individually only, never as a plaintiff or member of a class, collective, or representative action.

Opt-out. Arbitration is optional if, within 30 days of first accepting these Terms, you email [email protected] with "Arbitration Opt-Out" as the subject, and tell us your name and mobile number.

Governing law. The laws of the state where The Nelson M Group LLC has its principal place of business, together with the Federal Arbitration Act, govern these Terms, without regard to conflict-of-law rules. Subject to the arbitration clause, the state and federal courts in that state have exclusive jurisdiction.

14.Termination

You may stop using the Services at any time, and may opt out of messages by replying STOP. Access may be suspended or terminated by us at our discretion, for example for violations of these Terms. Sections that by nature are intended to survive, including disclaimers, limitation of liability, indemnification, and disputes, remain in force after termination.

15.Changes

These Terms may change from time to time. Any new version will be posted with a new "Last updated" date, and continuing to use the Services after its effective date means you accept it. Where the law requires notice of material updates, we will give it.

16.General

Together with the Privacy Policy and SMS Terms, these Terms are our entire agreement with you on this subject. If a part is held unenforceable, the remainder stays in effect. Not enforcing a provision does not waive it. You cannot assign these Terms without our consent, but we may assign them as part of a merger or sale of the business.

17.Contact us

Questions about these Terms? You can reach us by mail, email, phone, our online contact form, or by replying HELP to any text: