Effective Date: July 17, 2026
Protectafi ("us", "we" or "our") owns and operates protectafi.com and various related sites, tools, and services (together, the "Site") subject to your compliance with all terms, conditions, and notices contained or referenced herein (the "Terms of Use"), together with any other written agreement between us and users ("users", "you" or "your"). When you use particular services or materials on the Site, you are also subject to any posted guidelines or rules applicable to those services or materials, which are incorporated by reference into these Terms of Use.
BY USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, PLEASE EXIT THE SITE NOW. YOUR REMEDY FOR DISSATISFACTION WITH THIS SITE, OR ANY PRODUCTS, SERVICES, CONTENT, OR OTHER INFORMATION AVAILABLE ON OR THROUGH THIS SITE, IS TO STOP USING THE SITE AND/OR THOSE PARTICULAR PRODUCTS OR SERVICES. YOUR AGREEMENT WITH US BECOMES EFFECTIVE IMMEDIATELY UPON YOUR USE OF THE SITE.
We reserve the right to change these Terms of Use from time to time without notice to you. You are responsible for reviewing the Site and these Terms of Use periodically. Your continued use of the Site after any modification constitutes your acknowledgment of, and agreement to be bound by, the modified Terms of Use.
"Affiliates" as used in these Terms of Use includes our owners, subsidiaries, affiliated companies, officers, directors, suppliers, partners, sponsors, and advertisers, and includes (without limitation) all parties involved in creating, producing, and/or delivering the Site and its contents.
Protectafi is an independent marketplace that helps consumers compare and obtain quotes for vehicle service contracts and extended auto protection products offered by third-party administrators and providers. The specific services we offer, their costs, and the terms and conditions of any product you purchase are set out elsewhere on the Site and/or in communications and materials exchanged between us and you. You are solely responsible for providing, at your own expense, all equipment necessary to use the services, including internet access. Vehicle Service Contracts and Mechanical Breakdown Insurance are not available in all states, and product availability may vary by state, vehicle, and mileage. Protectafi does not sell manufacturer product warranties and is not an insurance company.
We reserve the sole right to modify or discontinue the Site, including any features therein, at any time with or without notice. We shall not be liable to you or any third party for doing so. Modifications may include changes in the scope and terms of the services, pricing structure, or the addition of fee-based services.
You understand that temporary interruptions of the services available through the Site may occur as normal events, and that we have no control over third-party networks you may access in the course of using the Site. The services on this Site are provided "AS IS" and we assume no responsibility for the timeliness, deletion, mis-delivery, or failure to store any user communications or personalization settings.
Some services may require you to submit contact information, vehicle information, or other data ("Registration Data") through our quote request forms. By submitting, you agree that all Registration Data is true and accurate and that you will update it as needed to keep it current, complete, and accurate. You also grant us the right to share Registration Data with the vetted third-party administrators and providers in our marketplace so they can prepare quotes for you. Information collected through your use of the Site is subject to our Privacy Policy, which is incorporated by reference into these Terms of Use.
If you subscribe to or purchase a product or service on or through the Site that requires payment, you agree to pay all fees associated with such product or service. For all charges, we (or the applicable third-party administrator or payment processor) will bill the payment method you provide at activation. Recurring charges, where applicable, are billed in advance of service. You agree to provide accurate and complete billing information — including a valid payment method, your name, address, and telephone number — and to update that information within 10 days of any change.
If your card issuer refuses to pay any amount billed, we may (at our option) suspend or terminate your product or service and require payment by other means acceptable to us. A fee may be charged for reinstatement of suspended or terminated accounts. Until your product or service is terminated in accordance with its contract, you will continue to accrue charges for which you remain responsible, even if you do not use the product or service. If legal action becomes necessary to collect balances due, you agree to reimburse us for all reasonable expenses incurred to recover sums due, including attorneys' fees and other legal expenses.
Your use of the Site is subject to all applicable laws and regulations, and you are solely responsible for the contents of your communications through the Site. You agree not to post or transmit any information on or through the Site that:
We neither endorse nor assume any liability for the contents of any material submitted by third-party users of the Site, and we do not routinely pre-screen or monitor user content. We and our agents may, at our sole discretion, remove any content that does not comply with these Terms of Use or is otherwise harmful, objectionable, or inaccurate, and we are not responsible for any failure or delay in doing so.
You may not use the Site or your account to breach the security of another account or attempt to gain unauthorized access to another network or server. You shall not interfere with anyone else's use and enjoyment of the Site. Users who violate systems or network security may incur criminal or civil liability. We may terminate your use of the Site and our services without prior notice for violating any of the above provisions.
Third-party content may appear on the Site or on other sites to which you can link from the Site. This content, and the parties creating it, are not under our control, and we are not responsible for its accuracy, legality, decency, or any other aspect of it, nor for errors or omissions in any references to other parties or their products and services. The inclusion of such content or links is provided merely as a convenience and does not imply endorsement of, or association with, the third party by Protectafi, or any warranty of any kind.
Copyright © Protectafi. All Rights Reserved.
"Content" means any information, communications, software, photos, video, graphics, music, sounds, and other material and services viewable by users on the Site, including without limitation the Site's original content. All content on the Site is protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws, and is the sole property of Protectafi and/or its Affiliates. You may not copy, reproduce, modify, republish, upload, post, transmit, or distribute any documents or information from the Site in any form or by any means without prior written permission, except for a single copy made for personal, non-commercial use. Any unauthorized use may violate copyright, trademark, and other applicable laws.
All custom graphics, icons, logos, and service names appearing on the Site are registered trademarks, trademarks, or service marks of Protectafi or its Affiliates. All other trademarks or service marks are the property of their respective owners. Nothing in these Terms of Use grants you any right to use any trademark, service mark, logo, or the name of Protectafi or its Affiliates.
Subject to our Privacy Policy, any communication or material you transmit to the Site or to us — by email, form submission, or other means — will be treated as non-confidential and non-proprietary. While you retain your rights in such communications or material, you grant us and our designated licensees a non-exclusive, paid-up, perpetual, worldwide right to copy, distribute, display, perform, publish, translate, adapt, modify, and otherwise use such material for any purpose regardless of the form or medium (now known or later devised). Please do not submit confidential or proprietary information unless we have agreed in writing otherwise, and please do not send us unsolicited ideas or proposals.
We respect the intellectual property of others. If you believe any content posted on the Site infringes your copyright, trademark, or other proprietary rights, notify our Designated Agent using the contact information in Section 24. Under the Digital Millennium Copyright Act (17 U.S.C. § 512(c)), effective notification must include: a physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right allegedly infringed; identification of the copyrighted work claimed to have been infringed; information sufficient to permit us to contact you; identification of the material claimed to be infringing and information sufficient to locate it; a statement that you have a good-faith belief that the use is not authorized by the copyright owner, agent, or law; and a statement under penalty of perjury that the information is accurate and that you are authorized to act on behalf of the owner. Repeat infringers' access will be terminated.
ALL MATERIALS AND SERVICES ON THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (A) THE SERVICES AND MATERIALS WILL MEET YOUR REQUIREMENTS, (B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS OBTAINED FROM USING THE SERVICES OR MATERIALS WILL BE EFFECTIVE, ACCURATE, OR RELIABLE, OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, OR INFORMATION OBTAINED THROUGH THE SITE WILL MEET YOUR EXPECTATIONS.
The Site could include technical or other mistakes, inaccuracies, or typographical errors. We may make changes to the materials and services on the Site, including prices and descriptions, at any time without notice. Materials may be out of date and we make no commitment to update them.
Through your use of the Site, you may have opportunities to engage in commercial transactions with third-party administrators, providers, and vendors. All terms of those transactions — including purchase terms, payment terms, warranties, guarantees, claims procedures, and delivery — are agreed to solely between you and the seller. ANY WARRANTY PROVIDED IN CONNECTION WITH ANY THIRD-PARTY PRODUCT OR SERVICE IS PROVIDED SOLELY BY THAT THIRD PARTY, AND NOT BY PROTECTAFI OR ANY OF OUR AFFILIATES.
SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Your exclusive remedy and our entire liability, if any, for any claims arising out of these Terms of Use and your use of the Site and the services provided thereon shall be limited to the amount you paid us for the services on or in connection with the Site during the one-month period before the act giving rise to the liability.
IN NO EVENT SHALL PROTECTAFI OR OUR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION THOSE RESULTING FROM LOSS OF USE, DATA, OR PROFITS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE OR ANY WEBSITE REFERENCED OR LINKED FROM THE SITE. WE SHALL NOT BE LIABLE FOR THIRD-PARTY GOODS AND SERVICES OFFERED THROUGH THE SITE.
SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Upon our request, you agree to defend, indemnify, and hold Protectafi and our Affiliates harmless from all liabilities, claims, and expenses (including reasonable attorneys' fees and costs) arising from your use or misuse of the Site and/or the services provided thereon or in connection therewith. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate in asserting any available defenses.
The Site may include advertisements offered by third parties. Any correspondence or participation in promotions of those advertisers — including delivery of and payment for goods and services, and any other terms, conditions, warranties, or representations — is solely between you and the advertiser. We assume no liability or responsibility for any such correspondence or promotion.
We may make email and SMS communications available to users of the Site, directly or through third-party providers. We will not inspect or disclose the contents of private email or SMS messages except with the consent of the sender or recipient, or in the situations permitted under the Electronic Communications Privacy Act, or as otherwise required by law or court order. We may use automated monitoring devices or techniques to protect users from unsolicited communications; such techniques are not perfect and we are not responsible for legitimate communications that are blocked or unsolicited communications that are not blocked.
You acknowledge that we may establish general practices and limits concerning use of the services available on the Site, including the maximum duration or frequency of access. We have no responsibility or liability for the deletion or failure to store any content maintained or transmitted on or through the Site. We reserve the right to change these general practices and limits at any time, in our sole discretion, with or without notice. The Site is not designed or intended for use as a disaster recovery or emergency data storage facility, and you should preserve backup copies of any data or materials you upload.
If you create an account, you are solely responsible for maintaining the confidentiality of your password and account and for all statements made and acts or omissions that occur through use of your account. Protectafi personnel will never ask you for your password. You may not transfer or share your account with anyone, and we reserve the right to immediately terminate your account for any unauthorized transfer or sharing.
Software available on or through the Site is subject to United States export controls. No software from the Site may be downloaded or exported (a) into (or to a resident of) any country subject to a United States goods embargo, or (b) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. By downloading or using such software, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list.
Although the Site may be accessible worldwide, we make no representation that materials on the Site are appropriate or available for use in locations outside the United States, and access from territories where their contents are illegal is prohibited. Those who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with local laws. Any offer for any product, service, or information made in connection with the Site is void where prohibited.
We may, in our sole discretion, terminate or suspend your access to all or part of the Site with or without notice for any reason, including breach of these Terms of Use. Any suspected fraudulent, abusive, or illegal activity may be grounds for terminating your relationship with us and may be referred to appropriate law enforcement authorities. Upon termination or suspension, your right to use the services immediately ceases, and we may deactivate or delete your account and all related information. Sections 1, 3, 5–11, 14, and 18–20 of these Terms of Use, together with any liability for unpaid fees, shall survive termination.
Speaking with a Coverage Advisor is often the fastest way to answer questions and complete requests. If you need any accommodation, call 1-855-511-6878 and we will help.
If you have difficulty using or accessing any element of this website or any mobile app or tool, please call us at 1-855-511-6878 or email support@protectafi.com and we will work with you to provide the information, item, or transaction you seek through an accessible communication method consistent with applicable law.
Goal of being better for all. Protectafi is committed to a positive customer experience and to promoting accessibility and inclusion. Whether you use a screen reader, magnifier, voice recognition software, or captions for videos, our goal is to make your use of our Site a successful and enjoyable experience.
Actions. We are actively taking steps and devoting resources to enhance the accessibility of our website and other technology. We view accessibility as an ongoing effort.
Feedback. Please contact us if you have any feedback or suggestions for how we could improve the accessibility of this website.
The Site (excluding any linked sites) is controlled by us from our offices within the State of Texas, United States of America. The statutes and laws of the State of Texas, without regard to conflict-of-laws principles and excluding the United Nations Convention on the International Sale of Goods, will apply to all matters relating to use of the Site and the purchase of products and services available on, through, or in connection with the Site. You submit to the exclusive personal jurisdiction and venue of the state and federal courts located in Harris County, Houston, Texas with respect to such matters.
All notices to a party shall be in writing and shall be delivered by email or conventional mail. Notices to us must be sent to the attention of Customer Service at support@protectafi.com (by email) or to Protectafi, Attn: Customer Service, 12715 Woodforest Blvd #180, Houston, TX 77015 (by conventional mail). Notices to you may be sent either to the email address or physical address supplied as part of your information. In addition, we may broadcast notices through the Site to inform you of changes to the Site or other matters of importance, and such broadcasts shall constitute notice to you.
These Terms of Use, together with our Privacy Policy, constitute the entire agreement and understanding between us concerning the subject matter hereof and supersede all prior agreements and understandings. These Terms of Use may not be altered, supplemented, or amended by the use of any other document(s). Any attempt to alter, supplement, or amend this document, or to enter an order for products or services subject to additional or altered terms and conditions, shall be null and void unless otherwise agreed in a written agreement signed by you and us.
In any action to enforce these Terms of Use, the prevailing party will be entitled to costs and reasonable attorneys' fees. Any cause of action brought by you against us or our Affiliates must be instituted within one year after the cause of action arises or be deemed forever waived and barred. You may not assign your rights and obligations under these Terms of Use to any third party; any purported attempt to do so shall be null and void. We may freely assign our rights and obligations under these Terms of Use. You agree not to sell, resell, reproduce, duplicate, copy, or use for any commercial purpose any portion of the Site or use of or access to the Site.
We shall be excused from liability for non-delivery or delay in delivery of products and services available through the Site arising from any event beyond our reasonable control, whether or not foreseeable, including labor disturbance, war, fire, accident, adverse weather, inability to secure transportation, governmental act or regulation, and other similar causes. If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect. Any failure by us to enforce or exercise any provision of these Terms of Use shall not constitute a waiver.
Except as explicitly noted on the Site, the services available through the Site are offered by Protectafi, located at 12715 Woodforest Blvd #180, Houston, TX 77015. Our telephone number is 1-855-511-6878 and our email address is support@protectafi.com. If you notice that any user is violating these Terms of Use, please email or call us.
Protectafi reserves the right to use any written communication voluntarily sent by customers for any purpose, including advertising and promotional activities.