Terms & Conditions

Last Updated: June 13, 2026

Please read these Terms and Conditions ("Terms") carefully before using the XWarranties website and services. By accessing or using our website or submitting your information through our forms, you agree to be bound by these Terms.

1. About Our Service

XWarranties operates as a referral and comparison service that connects consumers seeking warranty, vehicle protection, home warranty, or related coverage options with independent third-party providers. We are not a warranty provider, do not issue or administer warranty contracts, and do not guarantee coverage, approval, pricing, or plan availability.

2. Use of Service

By using our website, you agree to:

• Provide accurate and complete information when requesting quotes or coverage information
• Be at least 18 years of age
• Use the service for lawful purposes only
• Not submit false, misleading, fraudulent, or unauthorized information
• Not attempt to interfere with, disrupt, misuse, or gain unauthorized access to our website, systems, forms, or related services

3. Quote Requests and Referrals

When you submit a quote request through our website:

• Your information may be shared with Athena Auto Protection and/or one or more partner providers for review and follow-up
• Athena Auto Protection and/or partner providers may contact you regarding your request
• We do not guarantee that you will receive quotes, qualify for coverage, or be approved for any plan
• All pricing, coverage, eligibility, deductibles, limits, exclusions, and contract terms are determined by the provider
• Coverage availability may vary by vehicle, mileage, state, provider, plan terms, and other eligibility factors

4. Communication Consent

By submitting your information through our website, you consent to be contacted by XWarranties, Athena Auto Protection, and/or our partner providers by phone call, text message, and email regarding warranty-related products and services.

You understand that these communications may include the use of automated technology, autodialers, artificial or prerecorded voice messages, or other automated systems where permitted by law. Consent is not required as a condition of purchase. Message and data rates may apply. Communication frequency may vary depending on the providers reviewing your request.

You may opt out of text messages by replying STOP where applicable. You may also contact us using the information below for communication-related requests.

5. Free Service

The XWarranties service is free to consumers. We connect you with providers who may offer free quote reviews or coverage information. You are under no obligation to purchase any product or plan.

6. No Endorsement or Guarantee

XWarranties does not endorse, guarantee, or warrant any specific provider, product, quote, price, coverage level, contract, or plan. We are not responsible for the quality, accuracy, availability, pricing, contract terms, customer service, claims handling, or performance of any third-party provider.

7. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not guarantee:

• That you will receive quotes or coverage options
• That you will qualify for any warranty or protection plan
• The accuracy, completeness, or reliability of third-party information
• Uninterrupted, secure, or error-free website operation
• The availability of any specific provider, plan, price, or coverage option

8. Limitation of Liability

To the fullest extent permitted by law, XWarranties shall not be liable for any damages, losses, claims, costs, or expenses arising from or related to:

• Your use of, or inability to use, our website or services
• Any interaction, communication, quote, offer, contract, claim, payment, or dispute involving a third-party provider
• Any warranty or protection plan you purchase from a provider
• Errors, delays, interruptions, or technical issues affecting our website, forms, or communication systems
• Unauthorized access to or use of information, except where liability cannot be limited by applicable law

9. Third-Party Services

Your interactions with any provider, partner, advertiser, vendor, or other third party are solely between you and that third party. XWarranties is not responsible for third-party actions, services, websites, privacy practices, contracts, offers, pricing, claims decisions, or policies.

10. Payment Information

XWarranties does not collect or process payment information. If you choose to purchase a warranty, vehicle protection plan, home warranty, or related product from a provider, any payment transaction is handled directly between you and that provider.

11. Intellectual Property

All content on this website, including text, design, graphics, branding, logos, forms, and other materials, is owned by or licensed to XWarranties and protected by applicable intellectual property laws. You may not copy, reproduce, modify, distribute, or use our website content without permission, except as allowed by law.

12. User Conduct

You agree not to:

• Submit false, inaccurate, misleading, or unauthorized information
• Use automated systems, bots, scraping tools, or similar technology to access or submit information through our website
• Attempt unauthorized access to our systems, forms, accounts, or related technology
• Interfere with the operation, security, or performance of the website
• Use the service for unlawful, abusive, fraudulent, or harmful purposes

13. Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, share, and protect information.

14. Changes to Terms

We may update these Terms from time to time. When we do, we will post the revised version on this page and update the "Last Updated" date above. Your continued use of our website after changes are posted constitutes acceptance of the updated Terms.

15. Governing Law

These Terms are governed by the laws of the State of Missouri, without regard to conflict of law principles.

16. Dispute Resolution

To the extent permitted by law, any dispute, claim, or controversy arising out of or relating to these Terms, our website, or our services shall be resolved through binding arbitration, rather than in court. You agree to resolve disputes on an individual basis and not as part of a class or representative action, unless applicable law provides otherwise.

17. Contact Us