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finquotes Terms of Conditions and Privacy Policy

By using finquotes’s public website(s), and referral program platform(s), you provide finquotes with certain information voluntarily. This Privacy Policy addresses how finquotes Inc. collects, handles and processes data of its customers and site visitors, including the type of information that finquotes gathers, the way finquotes uses information internally and finquotes’s policy regarding sharing information with others. Additionally, this policy includes compliance information for the California Consumer Privacy Act and other privacy laws. For our SMS Business Texting Privacy Policy click here.

finquotes has implemented these privacy practices for finquotes’s referral program platform(s), web sites (including without limitation www.finquotes.us and www.finquotessystems.com) and dependent pages (together the “Platforms”). finquotes has instructed its website administrator(s) to include information regarding these privacy practices on each location of the finquotes website(s) where personal information is collected.

Collection and Use of Personal Information

Personal information gathered on finquotes’s Platforms means any information that is related to an identified person, or that may be used to identify an individual, including, but not limited to: first and last name; email address; a home, postal or other physical address or other contact information, title, birth date, gender, occupation, industry, or personal interests; and other information necessary or useful to provide a product or service that a user has requested.

With respect to customers interested in finquotes’s services and/or promotions, finquotes may collect personal information from users or others on the users’ behalf on finquotes’s credit evaluation request, general inquiry, referral and other forms, including identifying information such as name, address, telephone number, date of birth, Social Security Number, bank routing information, and credit related information such as outstanding mortgages. finquotes may also receive information about individuals from consumer reporting agencies such as credit history and capacity.

Protecting Personal Information

Personal information gathered about visitors to finquotes’s Platforms is only accessible by appropriate personnel who have a business need for the information. finquotes provides training and communication programs to educate its personnel about the meaning and requirements of this privacy statement. finquotes uses systems, policies and procedures to maintain the accuracy of customer information and to protect it from theft, loss, misuse, or alteration.

How finquotes May Use Personal Information

Personal information about visitors to finquotes’s Platforms will only be disclosed as expressly permitted or required by law. Information that has been collected is securely maintained in appropriate files in finquotes’s records. finquotes may use personal information to respond to requests for information with respect to finquotes’s promotional opportunities, products and services, and to comply with legal requirements. In striving to serve finquotes’s customers, finquotes may sometimes share customer information with others so that third parties may assist finquotes by providing services to finquotes or by providing services on finquotes’s behalf or jointly with finquotes to finquotes’s customers. finquotes values its customer information and does not generally sell personal information about its customers and website users to unrelated companies for their independent use, but finquotes may provide certain information to select entities that offer products and/or services that finquotes believes might potentially benefit its customers. Individuals who are not interested in having finquotes share their information with third parties may contact finquotes via registered or certified mail at 2211 Allenwood Road, Wall, New Jersey 07719, Attention: Legal or by calling (732) 780-3778.

Domain Name and IP Address

finquotes may collect the domain names and IP addresses of its users and website visitors for statistical purposes, in order to measure use, to improve the content or responsiveness of its web site or to customize the content or layout of the site for the individual visitor. finquotes does not disclose this information to unrelated third parties. finquotes may also aggregate information relating to its visitors’ traffic patterns from the data that it may collect and retain concerning the IP addresses and domain names of its Platforms’ visitors, and finquotes may divulge such aggregate information about its users with third parties such as its business partners, distributors, and service and support providers.

Users may visit finquotes’s website anonymously if they wish, by using appropriate software or web services available from or through third parties.

Log Files

finquotes may maintain a log file of all actions that are initiated or facilitated using its website, to capture, record and store data concerning the transaction. Access to this data is generally restricted to those who administer finquotes’s network and public website, and to finquotes’s legal counsel who may access this information in the event of a dispute, in response to legal process or law enforcement inquiries, abuse of our website, or violation of finquotes’s Terms of Use Policy.

E-mail Address

Please be advised that e-mail is not necessarily secure against all forms of interception. If any communication includes sensitive information and the sender would prefer not to transmit this information in this fashion, please contact finquotes by mail or telephone rather than e-mail.

finquotes may collect only those e-mail addresses that are volunteered by the visitor, through e-mail messages addressed to the company or its employees, or through visitor responses via any “inquiry” or “contact us” portion of the site, e-mail marketing destination web pages and public events.

finquotes may use the lists of e-mail addresses for marketing purposes and to inform those interested in finquotes’s promotions, services and/or products about events, products, services or other items of interest. finquotes may also use the lists of e-mail addresses volunteered by its users and visitors to register the user or visitor for an extranet account or to process orders for brochures and other written materials.

Anyone may opt-out of receiving the promotional or marketing e-mails at any time by so notifying finquotes as a reply to any unwanted e-mail, or by writing to finquotes at 2211 Allenwood Road, Wall, New Jersey 07719. Requests to unsubscribe from finquotes or third party e-mails may take 10 business days or more to process.

This opt-out procedure will not be available for e-mails that are necessary to provide confirmation of a completed transaction (such as a purchase, service request or change in the visitor’s user profile) or for e-mails that confirm a visitor’s status as a registered user of any finquotes or third-party extranet.

Other Personal Information

finquotes may use a mailing address or phone number that a visitor provides for a variety of reasons related to finquotes and third parties with which finquotes has a business and/or promotional relationship. finquotes and/or third parties may send periodic mailings to visitors or make telephone calls to inform those visitors who have provided a mailing address or telephone number of new products, services or events.

Anyone who does not wish to receive such calls or mailings may request to be removed from the contact list by contacting finquotes at 2211 Allenwood Road, Wall, New Jersey 07719 or (732) 780-3779.

Personal Information is Not Released to Outside Parties

Any information that you provide to us via our website will be used for our purposes only generally, however, finquotes may be shared with finquotes’s finance partners or organizations with which finquotes has entered a co-marketing arrangement. Your information will only be shared with other individuals or other companies on a need to know basis in order to assist in servicing your request or finquotes’s contractual requirements. In some instances we may need to provide your name and delivery address to third parties that we use for delivering specific products or services to you (such as support services, shipping or direct mail organizations). In such cases, your name and delivery address are never shared by these third parties. finquotes may access your information in the event of a dispute, in response to legal process or law enforcement inquiries, abuse of our website, or violation of our Terms of Use Policy.

Cookies

A cookie is an element of data that a website can send to a user or visitor’s browser, which may then be stored on the user or visitor’s system. A browser can be set to notify when a cookie is received, providing a chance to decide whether to accept it.

finquotes may use cookies to maintain login and other information. Another cookie type just identifies users and visitors as they move throughout finquotes’s site, providing faster, personalized access to view various site pages.

Data Security

We safeguard the security of the data you send us with certain physical, electronic, and managerial procedures. We have taken reasonable precautions to protect against misuse, theft, loss, unauthorized access, disclosure, alteration or destruction of your personal information.

While we strive to protect your personal information, we cannot guarantee the security of the information you transmit to us, and so we urge you to take every precaution to protect your personal data when you are on the Internet. We suggest that you change your passwords often, that your passwords include a combination of letters and numbers, and that you make certain that you are using a secure browser. Products and services are available which can help give you privacy protection while navigating the Web.

Children’s Privacy

We do not structure our website to attract children. Accordingly, we do not to intend to collect personal information from anyone whom we know to be under 13 years of age.

Third Party Sites

At times finquotes’s website may contain links to other sites. When you click on one of these links you are being transferred to a website operated by someone other than finquotes, and the operator of that website may have a different privacy policy. finquotes does not share your personal information with these websites and is not responsible for their individual privacy practices. We encourage you to investigate the privacy policies of these operators.

Future Changes

By using our website, you consent to the collection and use of your information as we have outlined in this Privacy Policy and to our Terms of Use Policy. finquotes may decide to change this Privacy Policy from time to time. When we do, we will post those changes on this page so that you are always aware of the information we collect, how we use it, and under what circumstances we disclose it.

Data Forwarding, Do not sell Info, Forget My Data

If you would like to:

  • Have finquotes Forget My Data
  • Request a copy of my Specific data
  • Request only categories of Data Stored
  • Do not sell My Information

Please send a letter with your full name and email to finquotes Inc., 2211 Allenwood Road, Wall, NJ 07719 Attn: Legal.

Comments and Questions

asfIf there are any comments or questions with respect to this Privacy Policy, please contact finquotes at 2211 Allenwood Road, Wall, New Jersey 07719 or (732) 780-3779.asf

Participation in and payment through the finquotes Customer Referral Program are subject to the terms and conditions as set out below (the “Referral Terms”), which shall govern every promotion or program whereby a person other than a sales or lead generation employee may be compensated for referring new customers to finquotes:

  • finquotes offers a referral program whereby individuals may refer friends and family to finquotes, and should the referred person (“Referred Customer”) install solar through finquotes and meet the requisites of the program, the Referrer, as defined below, will be compensated (the “Customer Referral Program”).  Each compensated referral within the Customer Referral Program will be a “Referral.”
  • Because the Customer Referral Program requires the exchange and use of personal information all Referrers, as defined below, must read and understand the Privacy Policy.
  • All persons making referrals (“Referrer(s)”) must meet the following criteria in order to be eligible for the Customer Referral Program:
    • The Referrer must be eighteen (18) years of age or older;
    • The Referrer must be a legal resident of the United States; and
    • The Referrer, either independently or through a finquotes associate, must register as a Referrer with finquotes.
  • finquotes employees who receive commissions or other wages based on the sale of solar systems are not eligible for the Customer Referral Program.
  • No purchase is necessary to register for the Customer Referral Program.
  • All referrals must be made through a finquotes approved method, and must be received prior to the initial sales appointment. These methods include:
    • The Referred Customer requests an appointment through the finquotes site and includes the Referrer in the submission data;
    • The Referred Customer specifically identifies the Referrer when scheduling an appointment with a finquotes representative; or
    • The Referred Customer uses a link provided by the Referrer to sign up for an appointment.
  • Only one referral compensation or similar payment will be made per Referred Customer, and no payment can be earned pursuant to the Customer Referral Program if finquotes must make any other payment to any person or entity for the generation of the customer lead.
  • In order for any Referred Customer’s installation of solar to entitle the Referrer to compensation the following criteria must be met:
    • The Referrer made a referral through a finquotes approved method prior to the initial sales appointment;
    • Prior to the referral, the Referred Customer was in contact with the Referrer about solar installation, but was not ever in contact with finquotes;
    • finquotes is paid in full for the photovoltaic system installed.
  • finquotes has the right to verify the eligibility of all Referrals or otherwise investigate Referrals finquotes believes may be the result of suspicious or fraudulent activity, be in violation of these Referral Terms or otherwise subject finquotes to potential liability. It will be in finquotes’s sole discretion to accept or reject any such Referral, which shall be the final and binding decision.
  • finquotes is not required to either initiate or continue to pursue any referral.
  • The Referrer may refer their friends and family, but the Referrer shall not engage in any advertisement, solicitation or public communication, or otherwise make any representation, about or on behalf of finquotes.
  • The Referrer has no interest in any potential project or prospective compensation related thereto that has not been duly earned pursuant to these Referral Terms and shall make no claim otherwise. The Referrer is not a third-party beneficiary to any agreement to which finquotes is a party or pertaining to any potential finquotes project.
  • The Referrer shall not contact or communicate with any solar provider, contractor, vendor, utility, agency or other third party that finquotes may deal with, or otherwise make any public statement, about any finquotes project that is an actual or prospective Referred Customer.
  • The Referrer has no interest in any potential project or prospective compensation related thereto that has not been duly earned pursuant to these Referral Terms and shall make no claim otherwise.  The Referrer is not a third-party beneficiary to any agreement to which finquotes or a Referred Customer is a party or pertaining to any potential finquotes project.
  • The Referrer is strictly prohibited from sending bulk distribution email, mail or other contact methods.  The Referrer must obtain permission from all Referred Customers for finquotes to contact that Referred Customer.
  • The Referrer is the actual sender of all email and other forms of contact with Referred Customers prior to the Referred Customer consenting to finquotes contacting him or her and does so at the Referrer’s sole risk.
  • The Referrer agree to indemnify, defend and hold harmless finquotes and its affiliates, owners, directors, employees, agents, contractors, solar providers and finance companies, and their insurers (collectively, “Releasees”), in the event that the Referrer’s willful act or omission or negligence subjects any Releasee(s), directly or indirectly, to liability to any party, including for violations of applicable law, including without limitation the CAN-SPAM Act of 2003, Telephone Consumer Protection Act of 1991, Do-Not-Call Implementation Act of 2003, Do-Not-Call Improvement Act of 2007, Gramm, Leach, Bliley Privacy Act and any other federal, state or local statute, regulation or requirement pertaining to marketing to consumers or otherwise.
  • The Referrer shall not make any disparaging remark about any Releasee or take any action that reasonably could adversely affect their personal or professional reputation or prospects.
  • In the event finquotes determines, in its sole discretion, that a Referrer is in violation of these Referral Terms or is otherwise manipulating or abusing the Customer Referral Program, finquotes may withdraw the Referrer’s eligibility to participate in the Customer Referral Program and other similar finquotes promotions.
  • The Referrer is not an employee of finquotes by virtue of participating in the Customer Referral Program and shall not be eligible to earn any wages from finquotes or for any health, welfare or other benefits that may be offered to finquotes’s employees. finquotes shall not be required to withhold any taxes from payments made to the Referrer or liable for payment of same to any federal, state, county or municipal government agency, and the Referrer shall fully pay all taxes pertaining to the Referrer promptly when due.
  • All amounts paid pursuant to the Customer Referral Program shall be construed as non-employee compensation to the Referrer, subject to any applicable tax or other reporting and contingent upon finquotes’s prior receipt of a completed Form W-9.
  • The Customer Referral Program is offered for a limited time and may be modified or discontinued by finquotes at any time in its sole discretion without notice.
  • Any and all disputes, claims and causes of action arising out of or related to the Customer Referral Program or any compensation awarded shall be resolved under New Jersey law (without reference to its conflicts of laws principles), and participants in the Customer Referral Program agree to submit any dispute to the exclusive jurisdiction of the state and federal courts located in New Jersey.
  • These Referral Terms constitute the entire agreement between Referrers and finquotes concerning participation in the Customer Referral Program.  The failure of finquotes to exercise or enforce any right or provision of these Referral Terms shall not constitute a waiver of such right or provision.  The Customer Referral Program is void where prohibited by law.  If any provision of these Referral Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Referral Terms remain in full force and effect.  A person who is not a party to these Terms shall have no right to enforce or receive the benefit of any of these Referral Terms.

Customer Referral Program payment details, which govern and control during the term notwithstanding any verbal or other communication through any other means other than a written contract executed by a finquotes officer, are available to bona fide Referrers willing to identify themselves for purposes of authentication by emailing the request to customer.service@finquotes.us

Participation in and payment through the finquotes limited time New Customer Promotion, consisting of the applicable Installation Rebate for Newly Signed Customers (“NCP”), are subject to the terms and conditions as set out below (the “NCP Terms”), which shall govern every promotion or program whereby a new installed customer may be eligible for a bonus payment:

  • Subject to satisfaction of these NCP Terms, a new customer who signs up for a solar installation as part of the program will receive a bonus payment as set forth herein (the “Promotion Payment”).
  • The NCP is offered for a limited time, beginning July 1, 2022, and ending October 31, 2022 at 11:59 pm EST.
  • The NCP supersedes, replaces and is to the exclusion of any and all other promotions, incentives, rebates, offers and compensation.
  • Because the NCP requires the exchange and use of personal information all prospective participants (“NCP Participant(s)”) must read and understand the Privacy Policy.
  • All NCP Participants must meet the following criteria in order to be eligible for the NCP:
    • The NCP Participant must be eighteen (18) years of age or older; and
    • The NCP Participant must a legal resident of the United States.
  • The NCP cannot be used in conjunction with any other incentives, promotions or offers.  Only one Promotion Payment or other similar payment by finquotes will be made per installation of a photovoltaic system (each a “System”) and only one System per residence.
  • For any NCP Participant’s installation of a System to entitle the NCP Participant to the Promotion Payment the following criteria must be met:
    • The NCP Participant must sign the first contract for the installation of a System by finquotes during the term of the NCP (“Term”);
    • NCP Participant must remain fully compliant with all terms set forth in the agreement(s) with finquotes, the solar provider and/or the financing company;
    • Any customer who had already signed a contract is ineligible for this incentive; and
    • finquotes must be irrevocably paid-in-full for the installed System.
  • finquotes has the right to verify the eligibility of all NCP Participants and may withdraw an NCP Participant’s eligibility to participate in the NCP if finquotes determines, in its sole discretion, that the NCP Participant is in violation of these NCP Terms or otherwise subjects finquotes to potential liability.
  • finquotes is not required to either initiate or continue to pursue any NCP Participant System installation and may choose, in its sole discretion, whether, how or when to do so.
  • The NCP Participant has no interest in any prospective compensation related to the installation of a System that has not been duly earned pursuant to these NCP Terms and shall make no claim otherwise.
  • If finquotes completes a new System installation for an NCP Participant in accordance with these NCP Terms, the NCP Participant will receive a Promotion Payment.  The Promotion Payment is only available to NCP Participants who live in Delaware, Florida, Massachusetts, New York, New Jersey and Rhode Island. Without limitation, the Promotion Payment is not available to NCP Participants in the states of Connecticut, Maryland, and Pennsylvania.  Promotion Payments earned by NCP Participants will be paid by check mailed within three weeks of the completion of the physical installation of the System.
  • The NCP Participant agree to indemnify, defend and hold harmless finquotes and its affiliates, owners, directors, employees, agents, contractors, customers and finance entities (collectively, “Releasees”) in the event that the NCP Participant’s willful act or omission, or negligence, subjects any Releasee(s), directly or indirectly, to liability to any party, including for violations of applicable law, including without limitation the CAN-SPAM Act of 2003, Telephone Consumer Protection Act of 1991, Do-Not-Call Implementation Act of 2003, Do-Not-Call Improvement Act of 2007, Gramm, Leach, Bliley Privacy Act and any other federal, state or local statute, regulation or requirement pertaining to marketing to consumers or otherwise.  NCP Participants shall only discuss the NCP with close friends and family and shall not publish any statement, make any representation or engage in any advertisement related to the NCP that has not been specifically authorized by finquotes.
  • The NCP Participant is not an employee of finquotes by virtue of the NCP and shall not be eligible by virtue of the NCP to earn any wages from finquotes or for any health, welfare or other benefits that may be offered to finquotes’s employees.  finquotes shall not be required to withhold any taxes from payments made to an NCP Participant or liable for payment of same to any federal, state, county or municipal government agency, and the NCP Participant shall fully pay all taxes pertaining to the NCP Participant promptly when due.
  • All amounts paid pursuant to the NCP shall be subject to any applicable tax or other reporting and contingent upon finquotes’s prior receipt of a completed Form W-9.
  • The NCP shall be void where prohibited.
  • Any and all disputes, claims and causes of action arising out of or related to the NCP or any compensation awarded shall be resolved under New Jersey law (without reference to its conflicts of laws principles), and participants in the NCP agree to submit any dispute to the exclusive jurisdiction of the state and federal courts located in New Jersey.
  • These Terms constitute the entire agreement between NCP Participants and finquotes concerning participating in the NCP.  The failure of finquotes to exercise or enforce any right or provision of these NCP Terms shall not constitute a waiver of such right or provision.  If any provision of these NCP Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these NCP Terms remain in full force and effect.  A person who is not a party to these NCP Terms shall have no right to enforce or receive the benefit of any of these NCP Terms.

Promotion Payment details, which govern and control during the term notwithstanding any verbal or other communication through any other means other than a written contract executed by a finquotes officer, are available to bona fide NCP Participants willing to identify themselves for purposes of authentication by emailing the request to customer.service@finquotes.us.

Please read these terms and conditions carefully.

By checking the box to sign up for one or more text messaging programs, you expressly consent to receive non-marketing and marketing text messages from finquotes (“Company”) and others texting on its behalf, including text messages made with an autodialer, at the telephone number(s) that you provide. You may opt-out of these communications at any time, and consent to receive marketing text messages is not required to purchase any goods or services. You also accept and agree to be bound by these SMS Terms and Conditions, the Website Terms of Use, our SMS Privacy Policy, and any other applicable terms and agrements related to your use of Company’s services.

Program Description

Company and its service providers may use an automatic telephone dialing system (“autodialer”) to deliver Company text messages to you. Company text messages are intended to provide you with information about upcoming appointments and Company’s goods and services (e.g., Company- promotions, product launches, sweepstakes, and contests).

Message Frequency

The number of Company text messages that you receive will vary.

Cost

Message and data rates may apply to each text message sent or received in connection with Company text messages, as provided in your mobile telephone service rate plan (please contact your mobile telephone carrier for pricing plans), in addition to any applicable roaming charges. Company does not impose a separate fee for sending Company text messages.

How to Opt-In

To opt-in to receive text messages from a Company text messaging program(s), please follow the instructions provided in the LOI or Outreach Application.

How to Opt-Out

To stop receiving text messages from the Company text messaging program, text STOP to the five digit short code for the text messaging program (i.e., the five digit number from which its text messages are being sent). You will then receive confirmation of your opt-out of that text messaging program.

Your Mobile Telephone Number

You represent that you are the account holder for the mobile telephone number(s) that you provide. You are responsible for notifying Company immediately if you change your mobile telephone number. You may notify Company of a number change by submitting a “contact us” form on the website. You agree to indemnify Company in full for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify Company if you change your telephone number, including, but not limited to, all claims, expenses, and damages related to or arising under the Telephone Consumer Protection Act.

Access or Delivery to Mobile Network is Not Guaranteed.

Delivery of information and content to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Company’s control, and Company is not responsible or liable for issues arising from them.

Support/Help

To request more information, text HELP to the five digit short code for the text messaging program about which you have questions (i.e., the five digit number from which its text messages are being sent). You may also receive help by submitting a “contact us” form on the website.

Eligibility

To receive Company text messages, you must be a resident of the United States and 18 years of age or older. Company reserves the right to require you to prove that you are at least 18 years of age.

Changes to Terms and Conditions

Company may revise, modify, or amend these SMS Terms and Conditions at any time. Any such revision, modification, or amendment shall take effect when it is posted to Company’s website. You agree to review these SMS Terms and Conditions periodically to ensure that you are aware of any changes. Your continued consent to receive Company text messages will indicate your acceptance of those changes.

Termination of Text Messaging

Company may suspend or terminate your receipt of Company text messages if Company believes you are in breach of these SMS Terms and Conditions. Your receipt of Company text messages is also subject to termination in the event that your mobile telephone service terminates or lapses. Company reserves the right to modify or discontinue, temporarily or permanently, all or any part of Company text messages, with or without notice.

finquotes offers subscription text messaging program(s) (the “SMS Business Texting Program(s)”). Customers may voluntarily enroll themselves in a text message alert program. You will be enrolled in a “mailing list” when you subscribe to this service.This Privacy Policy discloses the information practices followed by finquotes with respect to the personal information gathered to help finquotes service its customers and respond to requests for information through its SMS Business Texting Program(s), including the type of information that finquotes gathers, the way finquotes uses information internally and finquotes’s policy regarding sharing information with others.

finquotes has implemented these privacy practices for finquotes’s SMS Business Texting Program(s). finquotes has instructed its website administrator(s) to include information regarding these privacy practices on our website.

Message frequency varies.

finquotes values user trust and confidence by promoting and complying with the use of business practices that help protect the privacy of the customer and their data. For more information you can view a copy of our privacy policy online.

finquotes does not have a charge for this service; however, message and data rates may apply from your mobile carrier. Subject to the terms and conditions of your mobile carrier, you may receive text messages sent to your mobile phone. Participation in the programs on this short code is standard rated (no premium content).

By providing your consent to participate in this program, you approve any such charges from your mobile carrier. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance. finquotes reserves the right to terminate this SMS service, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays. You are responsible for managing the types of SMS texts you receive. If you have any questions or need help, you can call (732) 780-3779 ext. 9009.

To stop receiving text messages, reply STOP to any sms message received from finquotes. By enrolling in this subscription program, you consent that following such a request to unsubscribe, you will receive one (1) final message from finquotes confirming that you have been inactivated in our system. Following such confirmation message, no additional text messages will be sent unless you re-activate your subscription.

finquotes may use an automatic dialing system to deliver text messages to you. The Federal Communications Commission defines an “automatic telephone dialing system” or autodialer as equipment that has the capacity to store or produce telephone numbers to be called and to call such numbers. 47 C.F.R. § 64.1200. By your subscription to either, or both, the one-time text message program or the subscription text message program, you give your consent to finquotes to use an automatic dialing system to deliver text messages to the telephone or cell phone number to which you have directed finquotes to transmit these text messages.

This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

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