MOUNTAIN VIEW QUOTES — TERMS OF USE

Effective Date: 10-6-2025
Last Updated: 10-26-2025

These Terms of Use (“Terms”) govern your use of Mountain View Quotes and any related websites, landing pages, forms, content, advertisements, and services operated by Histora.io (“Histora,” “we,” “us,” or “our”).

By using the Services, you agree to these Terms.

1. What Mountain View Quotes Is

Mountain View Quotes is a marketing and information website operated by Histora.io, a media and marketing company.

Mountain View Quotes is not an insurance carrier, insurer, or insurance company.

Histora does not underwrite, issue, or administer insurance policies.

The purpose of the Website is to provide information and facilitate consumer inquiries regarding insurance products and connect interested consumers with appropriately licensed insurance professionals.

2. Licensed Insurance Professional

Insurance services are provided by appropriately licensed insurance professionals.

The applicable licensed professional may be identified on the relevant landing page or communication.

For the current final-expense campaign, the applicable licensed insurance professional is:

Christina L. Head
California Insurance License #: 4487326
NPN: 21715787

California Department of Insurance guidance states that consumers can verify an agent or broker's license using the agent's name or license number, and California requires licensed agents and brokers to display their license number on specified marketing materials concerning insurance products they sell.

3. Histora Does Not Sell Insurance

Histora's role is limited to media, marketing, advertising, technology, and lead-generation activities.

Histora does not:

Underwrite insurance;

Issue insurance policies;

Determine eligibility;

Approve applications;

Set insurance premiums;

Determine benefits;

Make underwriting decisions;

Guarantee coverage; or

Represent that it is an insurance carrier.

The insurance professional and applicable insurance carrier are responsible for the actual insurance transaction.

4. Requesting Information

When you submit a form through Mountain View Quotes, you are requesting information concerning the insurance product identified on the applicable page.

You agree that the information you provide should be accurate and belong to you or be submitted with appropriate authorization.

Submitting a form does not constitute:

An insurance application;

An insurance contract;

A guarantee of coverage;

A guarantee of eligibility;

A guarantee of approval; or

A guarantee of any particular premium or benefit.

5. Contact From a Licensed Insurance Professional

After submitting an inquiry, you may be contacted by the licensed insurance professional identified in the applicable disclosure.

The professional may:

Discuss your insurance inquiry;

Explain available coverage;

Ask questions necessary to determine appropriate options;

Explain premiums and benefits;

Discuss underwriting;

Assist with an application; and

Answer questions about available policies.

Actual eligibility and policy issuance are determined according to the applicable insurance company's requirements.

6. Insurance Carriers

Mountain View Quotes does not represent that every insurance carrier is available to every consumer.

The licensed insurance professional may only offer or discuss insurance products that the professional is authorized to offer under their applicable licenses, appointments, contracts, agency/brokerage relationships, and applicable law.

7. Telephone and Text Communications

If you provide your telephone number and provide the applicable consent, you may receive calls or text messages relating to your request.

These communications may include follow-up from the licensed insurance professional handling your inquiry.

Where required by law, automated or prerecorded telemarketing calls and automated marketing text messages will only be made after obtaining the required consent.

Consent is not a condition of purchasing insurance.

Message and data rates may apply.

Reply STOP to opt out of text messages where supported.

The FCC's current one-to-one consent framework requires covered prior express written consent for robocalls/robotexts to be obtained on a single-seller basis and requires a clear and conspicuous disclosure.

8. No Blanket Consent to Unrelated Sellers

Mountain View Quotes does not intend to represent that a consumer's submission constitutes blanket permission for unrelated insurance companies, agents, agencies, or marketers to make telemarketing calls or send marketing texts.

Where specific seller consent is legally required, the applicable consent disclosure will identify the seller.

9. Advertising

Histora may advertise Mountain View Quotes through Google and other advertising platforms.

Advertising may appear based on search terms, geographic location, device, campaign settings, or other factors.

Histora does not control the algorithms, placement, ranking, or display of advertisements by third-party platforms.

10. Website Information

We attempt to provide useful and accurate information.

However, insurance products, eligibility criteria, pricing, laws, carrier offerings, and underwriting requirements can change.

We do not guarantee that information on the Website will always be complete, current, or applicable to your individual circumstances.

11. No Professional Advice From Histora

Information on Mountain View Quotes is general informational and marketing content.

Histora does not provide:

Insurance advice;

Legal advice;

Tax advice;

Investment advice;

Estate-planning advice; or

Financial-planning advice.

Questions concerning whether a particular insurance product is appropriate for you should be directed to the appropriately licensed insurance professional.

12. User Conduct

You agree not to:

Submit false information;

Impersonate another person;

Submit another person's information without authorization;

Interfere with the Website;

Attempt unauthorized access;

Introduce malicious software;

Scrape Website data without permission;

Circumvent security measures;

Abuse forms or telephone systems;

Submit fraudulent leads;

Use automated systems to create fraudulent submissions; or

Use the Services for unlawful purposes.

13. Intellectual Property

The Mountain View Quotes name, Website design, content, graphics, logos, text, layouts, and other materials may be owned by Histora or its licensors.

You may not copy, reproduce, modify, distribute, sell, or commercially exploit these materials without authorization.

14. Third-Party Services

Histora may use third-party technology providers for:

Hosting;

CRM;

Lead management;

Call tracking;

Telephone services;

Text messaging;

Analytics;

Advertising;

Security;

Data storage; and

Other business functions.

Those providers may have their own terms and privacy policies.

15. Third-Party Links

Links to third-party websites may be provided for convenience.

Histora is not responsible for third-party websites or their content, privacy practices, security, or policies.

16. No Agency Relationship With Histora

Using Mountain View Quotes does not create an insurance-agent relationship between you and Histora.

It also does not create an attorney-client relationship, fiduciary relationship, partnership, joint venture, employment relationship, or other professional relationship between you and Histora.

Any insurance-agent relationship is between the consumer and the appropriately licensed insurance professional, subject to applicable law and the professional's actual agency/brokerage relationship.

17. No Guarantee of Insurance

Mountain View Quotes does not guarantee that:

You qualify for insurance;

You will receive an offer;

A particular carrier will offer coverage;

A particular premium will be available;

A policy will be issued;

A particular benefit amount will be available; or

A policy will contain a particular waiting period.

Insurance coverage is governed by the actual policy issued by the applicable carrier.

18. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis.

We do not guarantee that:

The Website will always be available;

The Website will be uninterrupted;

The Website will be error-free;

Information will always be current;

Forms will always function;

Communications will always be delivered; or

The Services will meet every user's requirements.

19. Limitation of Liability

To the maximum extent permitted by law, Histora and its owners, officers, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of the Services.

Nothing in these Terms is intended to waive any right or remedy that cannot legally be waived.

20. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Histora and its owners, officers, employees, contractors, affiliates, and service providers from claims, liabilities, damages, costs, and expenses arising from:

Your violation of these Terms;

Your misuse of the Services;

Fraudulent information you submit;

Your violation of another person's rights; or

Your violation of applicable law.

21. Privacy

Your use of Mountain View Quotes is also subject to our Privacy Policy.

Our Privacy Policy explains how Histora collects, uses, discloses, retains, and protects personal information.

22. California Privacy Laws

Where applicable, Histora will comply with California privacy requirements governing its collection and processing of personal information.

California's current privacy framework includes consumer rights concerning access, deletion, correction, and certain opt-outs, subject to applicable exceptions and whether the law applies to the business.

23. California Insurance Disclosure

Mountain View Quotes is operated by Histora as a media and marketing website and does not represent itself as an insurance carrier.

The insurance professional responsible for the insurance services must comply with applicable producer licensing and advertising requirements.

California Department of Insurance materials state that licensed agents and brokers must display their license number on applicable marketing materials concerning the insurance products they sell.

Nothing on this Website is intended to expand the authority of any insurance producer beyond the producer's actual license, appointments, contracts, or authorized relationships.

24. Changes to These Terms

We may modify these Terms from time to time.

The updated Terms will be posted on the Website with a revised “Last Updated” date.

25. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain effective to the maximum extent permitted by law.

26. Governing Law

These Terms will be interpreted under applicable federal law and the laws of the State of California, except where another law is required to apply.

27. Contact

Histora.io
Operator of Mountain View Quotes

Website: Histora.io
Email: [email protected]
Mailing Address: 30 N Gould ST Sheridan,Wyoming 82801

Last Updated: 10/13/2025