Terms & Conditions

1.Acceptance of these terms

These Terms & Conditions ("Terms") are a binding agreement between you and Odomelo, a brand of The Nelson M Group LLC ("Odomelo," "we," "us"). They govern your use of odomelo.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 Odomelo is, and is not

Odomelo is an information service. We publish general, plain-language information 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 other partners.

• Decisions about your insurance are yours. Reading our content does not obligate you to do anything.
• Your own insurer or agent, not Odomelo, 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

Use of the Services requires that you be at least 18 years of age, based in the United States, and legally able to contract. You may submit information solely about yourself or about someone who has authorized you to act for them.

4.Your information and accuracy

You agree to give accurate and current information and to update it if it changes. You may only provide a mobile number that you own or are authorized 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

By opting in, you agree that we may reach you by email and, where you check the relevant boxes, by automated text messages as described 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 Consent to texts is optional, is not a condition of purchase or of using the Services, and may be withdrawn at any time by replying STOP.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, 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 877-551-0371.

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.

7.Acceptable use

In using the Services you agree that you will not (a) provide false, misleading, or someone else's information, (b) engage in unlawful, fraudulent, or abusive conduct, (c) interfere with, disrupt, or try to gain unauthorized access to the Services, (d) use bots or automated methods to submit forms, (e) copy, scrape, or resell our content without permission, or (f) impersonate any person or entity. We may suspend or end access for violations.

8.Third-party organizations and links

Organizations, programs, and products mentioned on or linked from the Services (for example 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 Odomelo name, logo, text, graphics, and design, are held by us or our licensors and are protected by intellectual property laws. We give you a limited, revocable, non-exclusive, non-transferable license for personal, non-commercial viewing and use of the Services. Photos on the Site carry their own free-use licenses.

10.Disclaimers

We offer the services and all content "as is" and "as available" and disclaim all warranties, express or implied, among them implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant uninterrupted, error-free, or secure operation, or the delivery (or timely delivery) of any message.

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

11.Limitation of liability

To the fullest extent permitted by law, Odomelo and The Nelson M Group LLC, and their members, managers, officers, employees, and agents, cannot be held liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, or goodwill, in connection with your use of (or inability to use) the services or any insurance decision you make or do not make. Our total liability on any claim relating to the services shall not exceed one hundred U.S. dollars ($100).

Certain jurisdictions do not permit some limitations, so part of the above may not apply to you. These Terms do not limit any liability that the law does not allow to 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 (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Services, or your provision of a phone number or other details that you were not authorized to provide.

13.Disputes, governing law, and arbitration

Informal resolution first. Start by writing to us at [email protected] and give us 30 days to try to resolve it.

Binding arbitration. Except for small-claims matters and claims for injunctive relief for intellectual-property misuse, any dispute between you and Odomelo or The Nelson M Group LLC arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will be conducted in your county of residence or by video or phone, at your choice. The arbitrator may award the same individual relief as a court, and judgment can be entered in any court of competent jurisdiction.

Class-action waiver. You and Odomelo each waive, to the extent the law permits, any right to bring claims as a plaintiff or class member in a class, collective, or representative action; claims may be brought on an individual basis only.

Opt-out. Within 30 days of first accepting these Terms, you may decline arbitration by emailing [email protected] with the subject "Arbitration Opt-Out", stating 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. We may suspend or terminate access at our discretion, including for violations of these Terms. Sections that by their nature should survive (including disclaimers, limitation of liability, indemnification, and disputes) will survive termination.

15.Changes

Updates to these Terms will be posted with a new "Last updated" date. Using the Services after the effective date means accepting the updated Terms. If a change is material, we will notify you as mandated by law.

16.General

These Terms, together with the Privacy Policy and SMS Terms, are the entire agreement between you and us on this subject. If any part is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent, and we may assign them in connection with 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: