Last Updated: May 8, 2025

Welcome to auto.ratequest.net (the "Website"), owned and operated by Matherne's Consulting Inc., located at 354 Tulip Dr, Houma, LA 70360 ("we," "us," or "our"). By accessing or using this Website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with these Terms, please do not use the Website.

1. Use of the Website

1.1 Eligibility

You must be at least 18 years old to use this Website. By using the Website, you represent that you meet this age requirement.

1.2 License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for personal, non-commercial purposes, subject to these Terms.

1.3 Prohibited Conduct

You agree not to:

• Use the Website for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorized access to any portion of the Website.
• Interfere with or disrupt the Website's functionality or security.
• Use automated systems (e.g., bots, scrapers) to access or collect data from the Website without our express written consent.

2. SMS Communications

By providing your mobile phone number to us and opting in to receive SMS messages, you agree to the following terms:

2.1 Consent to Receive SMS

By opting in, you expressly consent to receive SMS messages from Matherne's Consulting Inc., including promotional, informational, and transactional messages related to our services. These messages may include, but are not limited to, updates, offers, and alerts.

2.2 Opt-In Process

You may opt in to receive SMS messages by providing your phone number through the Website or other designated methods and confirming your consent as prompted.

2.3 Message Frequency

The frequency of messages may vary. We do not guarantee a specific number of messages.

2.4 Costs

Standard message and data rates may apply as determined by your mobile carrier. You are responsible for any fees associated with receiving SMS messages.

2.5 Opt-Out

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive or by contacting us at [email protected] or +1 985-257-4903. After opting out, you may still receive non-promotional, transactional messages (e.g., account-related notifications).

2.6 Help

For assistance with SMS communications, reply HELP to any message or contact us at [email protected] or +1 985-257-4903.

2.7 Changes to SMS Terms

We reserve the right to modify or terminate our SMS program at any time. We will notify you of any material changes to these SMS terms.

2.8 Compliance with Law

Our SMS communications comply with applicable laws, including the Telephone Consumer Protection Act (TCPA). By opting in, you confirm that you are the account holder of the provided phone number or have the account holder's permission to opt in.

3. Intellectual Property

3.1 Ownership

All content on the Website, including text, graphics, logos, and software, is the property of Matherne's Consulting Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws.

3.2 Use Restrictions

You may not reproduce, distribute, modify, or create derivative works of any content on the Website without our prior written consent.

4. Privacy

Your use of the Website and SMS communications is also governed by our Privacy Policy [insert link to Privacy Policy]. Please review the Privacy Policy to understand how we collect, use, and protect your personal information.

5. Third-Party Links

The Website may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of these third-party sites. Accessing such links is at your own risk.

6. Disclaimer of Warranties

The Website and its services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the Website will be uninterrupted, error-free, or secure.

7. Limitation of Liability

To the fullest extent permitted by law, Matherne's Consulting Inc., its affiliates, officers, directors, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Website or SMS communications. Our total liability to you for any claim shall not exceed $100.

8. Indemnification

You agree to indemnify and hold harmless Matherne's Consulting Inc., its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable attorneys' fees) arising out of your use of the Website, violation of these Terms, or infringement of any third-party rights.

9. Termination

We reserve the right to suspend or terminate your access to the Website or SMS communications at any time, with or without notice, for any reason, including violation of these Terms.

10. Governing Law and Dispute Resolution

10.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Louisiana, without regard to its conflict of law principles.

10.2 Dispute Resolution

Any disputes arising out of or related to these Terms or your use of the Website shall be resolved through binding arbitration in Houma, Louisiana, in accordance with the rules of the American Arbitration Association. You waive any right to participate in a class action lawsuit or class-wide arbitration.

11. Changes to These Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of the Website or SMS communications after such changes constitutes your acceptance of the revised Terms.

12. Contact Us

If you have any questions or concerns about these Terms, please contact us at: