Lead Generation Disclosure

Please review the following disclosure regarding our operational structure, referral process, and business practices.

Nature of Our Operations

Insuravo (operated by Gray nova hub LLC) functions strictly as a consumer-to-agent referral gateway and digital matching platform. We act as an intermediary designed to link individuals searching for auto insurance options with qualified state-licensed insurance specialists, brokerages, and insurance carrier networks.

CRITICAL NOTICE: Insuravo is NOT an insurance underwriting carrier, direct insurance company, authorized agency, or financial policy issuer. We do not underwrite insurance coverage, nor do we sell insurance products directly to the public.

Scope of Our Service (What We Do)

• Facilitate Connections: We route your inquiry parameters to state-licensed insurance professionals serving your geographic location.

• Simplify Options: We streamline the quote discovery process by matching your requested coverage criteria with network partners equipped to evaluate your needs.

• Data Transmission: We transmit the contact details and basic vehicle parameters submitted on our web platform to our vetted network of licensed referral partners.

Limitations of Our Service (What We Do Not Do)

• No Policy Issuance: We do not bind coverage, execute policy agreements, or issue insurance binders.

• No Approval Guarantees: We cannot guarantee policy acceptance, rate eligibility, or underwriting approval from any carrier partner.

• No Pricing Authority: We do not calculate premium fees, set deductible amounts, or draft policy terms. Final rate determinations and coverage decisions rest solely with the licensed carrier underwriting your policy.

• No Endorsements: We do not explicitly endorse, rate, or favor any single insurance carrier, agency, or policy package over another.

Communications & Outreach Authorization

By submitting your details via our online inquiry forms or contacting our toll-free support line, you grant express consent to be contacted by independent licensed insurance entities, agencies, or partner professionals regarding policy options. Authorized communications may include telephonic calls, email updates, and SMS/MMS notifications.

Compensation Model & Financial Disclosure

Our matching service is provided to consumers at zero cost. Insuravo receives financial remuneration from the insurance carriers, broker networks, or licensed agencies participating within our referral system when a user inquiry is successfully routed. This commercial arrangement does not inflate or alter the premium pricing quoted to you by the licensed provider.