Help For America

Terms of Use

Last Updated: January 27, 2026

These Terms of Use (“Terms”) govern your access to and use of the Help For America website, pages, content, and related services (collectively, the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

Important notice: These Terms include a dispute resolution and arbitration provision and a class action waiver in Section 13. Please read carefully.

1. Who We Are

“Help For America,” “we,” “us,” or “our” refers to Help For America, operated by Palo Media Group (“Operator”).

Mailing address: Palo Media Group, 6 Main Street Ext Unit 3853, Plymouth, Massachusetts.

2. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date above indicates when the Terms were most recently revised. Your continued use of the Services after changes become effective constitutes your acceptance of the revised Terms.

3. Eligibility

  • You must be at least 18 years old to use the Services.
  • The Services are intended for U.S. residents and use in the United States.
  • You agree to use the Services in compliance with applicable laws and regulations.

4. What the Services Do

The Services provide informational content and may allow you to connect with third-party insurance professionals, providers, agencies, or call centers (collectively, “Partners”) via phone. We are not an insurance carrier and do not guarantee that you will receive quotes, coverage, rates, or specific outcomes.

5. Phone Call Features and Disclosures

5.1 Calling from the Site

If you choose to call a phone number displayed on the Services, you understand that:

  • Your call may be routed to a Partner.
  • Standard voice charges may apply depending on your carrier and plan.
  • Calls may be recorded or monitored for quality assurance, compliance, training, and fraud prevention where permitted by law.

5.2 Dynamic Number Insertion / Call Tracking

We and our Partners may use call tracking and dynamic number insertion technology to measure performance, route calls, and improve services. This may cause phone numbers to change based on traffic source, location, or other signals. The phone number you see may differ from a default number shown elsewhere on the site.

6. No Professional Advice

Content on the Services is provided for general informational purposes only and does not constitute insurance, legal, financial, or other professional advice. You should consult qualified professionals for advice tailored to your situation.

7. Privacy

Our collection and use of information is described in our Privacy Policy. Please review it here: Privacy Policy.

8. Acceptable Use

You agree not to:

  • Use the Services for unlawful, harmful, or fraudulent purposes.
  • Attempt to interfere with or disrupt the Services, including by probing, scanning, or testing vulnerabilities.
  • Reverse engineer, decompile, or attempt to extract source code except where permitted by law.
  • Scrape, harvest, or collect information from the Services at scale without our prior written permission.
  • Impersonate any person or misrepresent your affiliation with any person or entity.

9. Intellectual Property

The Services and their content (including text, graphics, logos, UI, and compilation) are owned by us or our licensors and are protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use.

10. Third-Party Services and Links

The Services may integrate or link to third-party services (for example, analytics, advertising, or call routing). We do not control and are not responsible for third-party sites, services, or practices. Your use of third-party services may be subject to their terms and policies.

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE (OR OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).

13. Indemnification

You agree to defend, indemnify, and hold harmless us and our affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; or (c) your violation of any rights of another.

14. Dispute Resolution, Arbitration, and Class Action Waiver

Please read this section carefully. It affects your legal rights.

14.1 Informal Resolution

Before filing a claim, you agree to try to resolve disputes informally by contacting us in writing at the mailing address above and describing your issue and requested relief.

14.2 Arbitration Agreement

If we cannot resolve a dispute informally, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding arbitration on an individual basis, and not in court, except that either party may seek injunctive or equitable relief for alleged infringement or misappropriation of intellectual property rights.

14.3 Class Action Waiver

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

14.4 Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict of laws principles, except to the extent federal law governs arbitration.

15. Termination

We may suspend or terminate access to the Services at any time if we believe you have violated these Terms or if we discontinue the Services. Sections that by their nature should survive termination will survive.

16. Miscellaneous

  • Entire Agreement: These Terms constitute the entire agreement regarding the Services.
  • Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
  • No Waiver: Failure to enforce a provision is not a waiver.
  • Assignment: You may not assign these Terms without our consent; we may assign them as part of a merger, acquisition, or sale of assets.

17. Contact

Questions about these Terms? Contact us by mail at:

Help for America
6 Main Street Ext Unit 3853
Plymouth, Massachusetts

This Terms of Use page is a template and should be reviewed by counsel to ensure compliance with applicable laws (including TCPA/telephony recording rules, state privacy laws, and advertising disclosures).