Effective Date: 02/21/2026Trio is operated by Quartet LLC, a New Mexico limited liability company.By accessing or using this website, you agree to the following Terms of Service.
Trio is an independent insurance matching service. We are not an insurance carrier, insurance agency, or insurance broker.Our service connects consumers with licensed insurance agents who may provide insurance coverage options. Any insurance policy purchase occurs directly between you and the licensed agent or insurance carrier.
Trio does not guarantee:• Insurance coverage approval
• Specific pricing or premium amounts
• Savings amounts
•Policy availabilityAll underwriting decisions, pricing, and coverage terms are determined solely by licensed agents and insurance carriers.
By using this website, you agree to:• Provide accurate and truthful information
• Use the website for lawful purposes
• Not submit false, fraudulent, or misleading information
• Submitting inaccurate information may affect your ability to receive coverage options.
By submitting your information through this website, you agree that licensed insurance agents may contact you by phone call, text message, or email regarding insurance coverage options.Consent to be contacted is not a condition of purchase. You may revoke consent at any time by contacting us at [email protected]
Licensed insurance agents operate independently of Trio and Quartet LLC. We are not responsible for:
• Insurance coverage decisions
• Underwriting determinations
• Policy pricing or terms
• Actions or conduct of licensed agents
Any insurance transaction is solely between you and the licensed agent or insurance carrier.
To the fullest extent permitted by law, Quartet LLC and Trio shall not be liable for any indirect, incidental, consequential, or special damages arising from:
•Use of this website
•Interactions with licensed insurance agents
•Insurance purchasing decisions
We may update these Terms of Service at any time. Updates will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of the updated terms.
These Terms of Service shall be governed by the laws of the State of New Mexico, without regard to conflict of law principles.