Sureint

Terms & Condition

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Terms &amp. ConditionTHESE TERMS INCLUDE AN ARBITRATION AGREEMENT AND A WAIVER OF YOUR RIGHT TO A COURT HEARING OR JURY TRIAL OR TO TAKE PART IN A CLASS ACTION. IN CASE OF ANY DISPUTE, UNLESS INDICATED OTHERWISE BELOW OR UNLESS YOU OPT-OUT, YOU ARE OBLIGED TO RESORT TO ARBITRATION. This website (the “Website” or “Site”) is provided subject to your agreement to these Terms of Use and the Privacy Policy. Your use of the Website or our Services (as defined below) indicates that you have read, understood and agree to comply with these Terms of Use (this “Agreement” or “Terms”) and our Privacy Policy (the “Privacy Policy). If you do not agree to the Terms or Privacy Policy, please do not access our Website.Our GoalOur goal is to put users in touch with insurance brokers, insurance companies, insurance agents, discount program representatives and other insurance professionals (“Service Providers”). The Website offers various applications, email notifications, widgets and other services (the “Service”), thanks to which information can be obtained and Service Providers found. Please note that we are neither the owners of the products indicated on our Website, nor are we an insurance underwriter, agent or advisor to you or any Service Provider. Furthermore, we do not recommend or endorse the products or services of any Service Provider or validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. OUR TASK IS SOLELY TO CONNECT YOU TO SERVICE PROVIDERS AND IT IS YOUR SOLE RESPONSIBILITY TO VERIFY AND EVALUATE THE CONTENT, PRODUCTS OR SERVICES PROVIDED BY SERVICE PROVIDERS. WE SHALL NOT BE HELD LIABLE FOR ANY DAMAGES, LOSSES, COSTS OR CLAIMS IN CONNECTION WITH, ARISING FROM, OR RELATED TO YOUR USE OF A SERVICE PROVIDER’S PRODUCTS OR SERVICES.Acceptance PolicyPlease note that at any time after receipt of your request for insurance data we may further transfer the request or decline your request for any reason. You may also be asked for additional information before further transferring any insurance request, e.g. health information and medical history, financial information, the make and model of your vehicle, driving records, etc. Receiving any form of electronic confirmation from us shall not signify that your insurance request has been accepted or that an offer to provide a policy is thereby confirmed. We are not responsible for requests that cannot be fulfilled or for unsuccessful requests arising from an applicant's ineligibility to qualify for or otherwise obtain a policy or for an inability to pay premiums.Service ProvidersWe are not a Service Provider or an insurance provider. Our Services are limited to helping connect you with Service Providers. We shall not be held liable for any damages, losses, costs or claims related to your use of a Service Provider’s products or services. You are solely responsible for examining and evaluating Service Providers. It is your sole responsibility to make the right financial decisions and we encourage you to consult with insurance agents, financial advisors, brokers and other qualified professionals before making any decision. We do not make any credit decision or coverage with any Service Provider referred to you. We do not issue credit cards, mortgages, insurance coverage or any other financial products. We do not make any warranties or representations regarding the quotes, rates, terms, fees, coverage or services offered or made available by Service Providers. We do not guarantee that quotes, rates, terms, fees, coverage or services offered by Service Providers are the best available. Additionally, we do not guarantee that you will be matched with a Service Provider.Use of the WebsiteTo access, download or use the Website, you need to be at least eighteen (18) years old or the legal age of majority in your jurisdiction, whichever is greater. Additionally, you must be a US resident and agree to these Terms. The Website and its contents, including the information available on it, are intended for personal, non-commercial use only. You represent that you will not make any commercial use of the Service or the Website, including in particular, the sale, licensing, transfer or other exploitation of the content of the Website or the Service. We may, in our sole discretion, change, modify, eliminate, restrict or block access to all or any part of the Website, or cancel any transaction, without notice, at any time, for whichever reason. You shall only use the Website as permitted by this Agreement and you shall not disrupt or intercept electronic information posted on this Website or on any of our servers or use the Website for any inappropriate or illegal purpose. You agree to abide by all applicable federal, state and local laws and regulations with respect to your use of the Website, and you shall provide only true, complete, accurate and current information (and updates thereto) when submitting information through the Website. The information, data, software and content viewable on, contained in, or downloadable from the Website and the Services, including, without limitation, all text, software, pictures, photographs, images, graphics, charts, videos, line art, icons and renditions, and their selection, coordination, presentation, arrangement, display and enhancement (collectively, the “Content”) is our property or the property of our software vendors and is protected by United States and international copyright laws. All Content is copyrighted by, or otherwise licensed to, us or our suppliers. You shall not collect or harvest any personally identifiable information, including account names, from our Services. You shall not use any communication systems provided on our Services for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of our Services without our prior written permission. You shall not copy, distribute, redistribute, transmit, publish or use, other than for non-commercial purposes, the Content, without our prior written permission. You are hereby granted a limited license to access, download, print or otherwise make personal use of the Content, subject to your agreement to these Terms, in the form of: (i) one print copy, for your non-commercial use. (ii) one machine-readable copy. and (iii) one backup copy. Any action by you that (i) restricts, inhibits or prevents any access, use or enjoyment of our Services. (ii) violates these Terms or the Privacy Policy. or (iii) through the use of our Services, abuses, harasses, defames, threatens or offends, shall not be permitted, and may result in your loss of the right to access and use our Services. The Content may not be modified or used for any commercial purpose or any other public display, sale or performance, and may not be rented, decompiled, disassembled, reverse engineered or transferred to another person or entity. Without our prior written permission, you may not embed, scrape, modify, deep link, spider, frame or use other similar automated data gathering or extraction program, algorithm, tool, methodology, meta tags or any other “hidden text” to access, copy, monitor or acquire our Website or Services or any portion of our Website or Services.CONSUMER REPORT PRACTICESYOUR SUBMISSION OF INFORMATION TO THE WEBSITE CONSTITUTES EXPRESS WRITTEN CONSENT UNDER ANY APPLICABLE LAW FOR THE WEBSITE AND SERVICE PROVIDERS TO PULL YOUR CONSUMER CREDIT PROFILE OR OTHER BACKGROUND INFORMATION ABOUT YOU. CONSUMER REPORTS MAY BE USED FOR UPDATES, RENEWALS OR EXTENSIONS OF ANY INSURANCE YOU MAY OBTAIN. IN CONNECTION WITH YOUR QUOTE REQUEST, CONSUMER AND CREDIT REPORTS AND DRIVING RECORDS MAY BE ORDERED TO ASSIST SERVICE PROVIDERS IN DETERMINING YOUR ELIGIBILITY FOR THEIR PRODUCTS OR SERVICES AND THE RATES THAT YOU MAY BE CHARGED. A CREDIT-BASED INSURANCE SCORE CONTAINED IN YOUR CREDIT REPORT MAY ALSO BE OBTAINED BY A PROVIDER. A SERVICE PROVIDER MAY COMBINE THIS INFORMATION WITH INFORMATION YOU SUBMIT TO US. ALTHOUGH SOME INQUIRIES WILL NOT AFFECT YOUR CREDIT SCORE, YOU NEED TO BE AWARE THAT CERTAIN PROVIDERS AND AFFILIATES MAY INITIATE A CREDIT INQUIRY THAT WILL IMPACT YOUR CREDIT SCORE.Email, Telephone, and SMS CommunicationWhen registering to access any Service you must provide your telephone number and email address. Provision of your phone number or email address on the Website constitutes written express consent that we and our Service Providers may contact you by email, telephone, cellular or otherwise, and fax at the email addresses and telephone numbers provided, concerning (i) your insurance needs or quote requests, (ii) in response to quotes you have requested from us or our Service Providers, (iii) any issue regarding our Services, and (iv) to provide information or offers that may be of interest to you. You agree that such communications may be sent to your mobile phone via text messages, SMS, MMS and picture messages, prerecorded calls or automated telephone dialing system, even if the phone number you provide is on a corporate, state or national Do Not Call list. You also agree that we and Service Providers make automated or prerecorded calls or send text messages to your mobile telephone number using automated technology, among other things, to remind you about deadlines or confirm your contact information. Moreover, you hereby grant permission to receive marketing emails, even if you previously opted out of receiving marketing emails from us or from specific Service Providers. If you do not want to receive such emails, telephone calls, or text messages, you may opt out (i) during the registration process, or (ii) by emailing the address at the bottom of the emails with “UNSUBSCRIBE” or by texting “STOP” or “OPT-OUT” as specifically set forth in the communication. Please see our Privacy Policy for more information. Notwithstanding the Privacy Policy, you authorize Service Providers and their affiliates and third-party service providers to conduct all necessary research with your information, including checking your credit history, if applicable, for purposes of providing you with information you requested through the Website. Your consent is not required to make a purchase.PaymentA payment may be applicable for use of the Website and the Service. Please note, however, that we are not connected to and bear no responsible for any fee arrangement made between you and any Service Provider.No Endorsements or Representation Regarding Third Party ContentYWe are not liable for the terms and consequences of any commercial transaction concluded as a result of any advertisement placed on or available through the Website. Further, we make no endorsements or representations regarding the accuracy, quality, condition, truth, safety, completeness, reliability or usefulness of any hyperlinks to third-party websites outside of the Website, third-party content posted on the Website, or any content posted on third-party websites.Your Responsibility for Your Financial DecisionsWe are not an agent or advisor to you or any Service Provider, and we do not recommend or endorse the products or services of any Service Provider. Service Providers are solely responsible for any services that they may provide to you and we are not liable for any damages, costs, losses or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. You are responsible for investigating Service Providers. You are encouraged to obtain the advice of brokers, insurance agents, financial advisors or other qualified professionals who are fully aware of your individual circumstances before making any financial or insurance decisionsARBITRATION AGREEMENT AND CLASS ACTION WAIVERIf a Dispute arises between us, you agree to first contact us at support@sureint.com. Any dispute connected in any manner to your visit or use of the Website, the Services, the Content, any other products or services offered through the Website, any emails, telephone calls or text messages that you receive from us or from Service Providers (“Disputes”), will be submitted to confidential arbitration, rather than being resolved in court, and shall be governed exclusively by the laws of the State of New York, with no regard to principles of conflict of laws. For the avoidance of doubt, all claims arising under the Telephone Consumer Protection Act and state telemarketing and email marketing laws shall be considered “Disputes” that are subject to resolution by binding individual, confidential arbitration. The interpretation and enforcement of this Arbitration Agreement shall be subject to the Federal Arbitration Act, and any question as to the validity of this Arbitration Agreement shall be submitted to confidential arbitration and decided by an arbitrator. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement may be joined to an arbitration involving any other party subject to this Agreement, whether through a general proceeding, private attorney, class action, class arbitration proceedings or otherwise. You expressly agree to refrain from bringing or joining any claims in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action or any class-wide arbitration. If an arbitrator or court decides that any part of this Arbitration Agreement is invalid or unenforceable, the other parts of this Arbitration Agreement shall still apply. however, if an arbitrator or court decides that the class action waiver is invalid or unenforceable, then the entirety of this Arbitration Agreement shall be null and void. Both you and we may choose to informally resolve a Dispute before formally submitting it to arbitration, You agree that if it will be impossible to informally resolve a Dispute, including a Dispute regarding the validity and applicability of this Arbitration Agreement and class action waiver, the Dispute shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) telephonically or in a location convenient to you. Without limiting the foregoing, YOU EXPRESSLY AGREE TO SUBMIT TO ARBITRATION ALL DISPUTES RELATING TO ANY TELEPHONE CALLS OR TEXT MESSAGES YOU RECEIVE FROM OR ON BEHALF OF US OR ANY ENTITY WITH WHOM WE MAY SHARE YOUR TELEPHONE NUMBER (INCLUDING SERVICE PROVIDERS). The arbitration process may be commenced by submitting a written demand for arbitration with the AAA and providing a copy to the other party. All of the filing costs will be paid by us. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes, in effect at the time of submission of the demand for arbitration, available at www.adr.org. On the AAA’s site at http://www.adr.org you can find a form for initiating arbitration proceedings. Except as may be required by law as determined by the arbitrator, without the prior written consent of both parties no arbitrator or party may disclose the content, existence or results of any arbitration hereunder. Further, we both agree that all entities with whom we share your telephone numbers, including Service Providers, shall be third party beneficiaries of this Dispute Resolution by Binding Arbitration and Class Action Waiver, and that those entities have the same rights as us to enforce this Arbitration Agreement. Notwithstanding the foregoing, the following shall not be subject to arbitration and may be adjudicated only in the state and federal courts of New York: (i) an action by us for temporary or preliminary injunctive relief, whether prohibitive or mandatory, or other provisional relief. (ii) any dispute, controversy, or claim relating to or contesting the validity of our or one of our family company’s intellectual property rights and proprietary rights, including without limitation, patents, trademarks, service marks, copyrights, or trade secrets. (iii) interactions with governmental and regulatory authorities. and (iv) any legal action by us against a non-consumer. YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH ARBITRATION. YOU UNDERSTAND THAT YOU WOULD HAVE HAD A RIGHT TO HAVE A JUDGE OR JURY DECIDE YOUR CASE, TO LITIGATE IN A COURT, AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. You may opt out of this Arbitration Agreement within thirty (30) days of the date that you visit the Website at the earliest or the date you submit a request through the Website to opt out by sending us an email at support@sureint.com. You will not be able to opt out of this Arbitration Agreement, if you do not opt out by the earliest of the date that you visit the Website, or the date you submit information to us through the Website.Limitation of Liabilities. Disclaimer of WarrantiesWe shall not be liable for any unplanned or scheduled system outages, including due to any third party acts or any other outages of Internet infrastructure or web host providers and network external to the Website and the Service, and in particular for the resulting unavailability of the Website, any resultant delay, loss of data or non-delivery of information. THE SERVICES, THE WEBSITE AND ITS CONTENT ARE PROVIDED TO YOU STRICTLY ON AN “AS AVAILABLE” AND “AS IS” BASIS. WITHOUT LIMITING THE FOREGOING, THE IMPLIED WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS, ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND THAT EXTEND BEYOND THE DESCRIPTION ON THE WEBSITE. WE SHALL NOT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF: (I) YOUR DOWNLOADING OF ANY OF THE CONTENT OR THE COLLECTIVE WORK FOR YOUR USE. (II) YOUR BREACH OR VIOLATION OF THIS AGREEMENT. (III) YOUR DELAY IN ACCESSING OR INABILITY TO ACCESS OR USE OUR SERVICES FOR ANY REASON. (IV) YOUR ACCESS AND USE OF THE WEBSITE AND SERVICES. OR (V) THE ACTIONS OR INACTION OF SERVICE PROVIDERS. WITHOUT LIMITING THE FOREGOING, REGARDLESS OF THE FORM OF THE ACTION, OUR AGGREGATE LIABILITY TO YOU FOR ANY CAUSE WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID BY YOU TO US FOR USE OF THE WEBSITE. This Disclaimer of Warranties and Limitation of Liability shall not apply in New Jersey, notwithstanding anything to the contrary herein.Intellectual PropertyYou acknowledge and agree that we are the owners of any and all title, right and interest, including all intellectual property rights – under international, state and federal intellectual property law, including but not limited to, copyright law, patent law, trademark law, trade secret law, unfair competition law, and any and all other proprietary rights, and any and all extensions, renewals, applications and restorations thereof, now or hereafter in force and effect worldwide – in and to the Website and the Services. In case any comments ratings, suggestions, or other feedback regarding the Website or your experience (“Feedback”) are submitted, you agree that you grant us a worldwide, royalty-free, irrevocable, perpetual, transferable and sub-licensable license to publish, translate, copy, reformat, modify, distribute reproduce, create derivative works from and sublicense such materials or any parts thereof, and that such Feedback does not violate any law or the rights of any third party. Such Feedback may be used by us without restriction and for any purpose, free of any obligation, attribution or compensation to you. Our logo and name are our trademarks, and ownership of all such trademarks and the goodwill associated therewith remains with us. You are aware that you are not authorized to use without our prior written permission any such trademarks or any other of our trademarks, whether registered or unregistered. Without limiting the foregoing, we make no proprietary claim to any third-party names, trademarks or service marks appearing on our Services. You acknowledge and agree that the respective owners own the rights in any third-party content (including any third party content licensed by us, advertisements, etc.) presented to you through the Service or contained on the Website or in any other websites to which this Website links, including trademarks, copyright, service marks, patents, logos or other proprietary rights and any other intellectual property rights not owned by us.Infringement of CopyrightsYou may request us by mail (at: support@sureint.com) that we remove any materials on the Website which you believe have been made accessible, used or copied in violation of your copyright or other intellectual property right. To this end, you should provide us with the following information: <ol> <li>a description of the copyrighted work or other intellectual property that your claim has been infringed;</li> <li>your address, telephone number, and email address;</li> <li>an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;</li> <li>a description of where the material that you claim is infringing is located on the website (including the specific URL of each item in dispute, which should help us to locate the relevant content);</li> <li>a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or intellectual property owner or are authorized to act on the copyright or intellectual property owner’s behalf. and</li> <li>a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law.</li> </ol>Electronic CommunicationsIn accordance with any applicable regulations, rules, ordinances, statutes or other laws, including without limitation the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the “E-Sign Act”) or other similar statutes, YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, ORDERS, CONTRACTS, AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF POLICIES, NOTICES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE WEBSITE OR SERVICES OFFERED BY COMPANY. Further, you hereby waive any rights or requirements under any statutes, regulations, rules, ordinances or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records. Although we may choose to communicate with you by postal mail, we may also choose to communicate with you by email or by posting notices on the Website. You are communicating with us electronically when you visit or submit information on the Website or send email to us. You agree to receive communications from us electronically. In addition, you acknowledge and agree that by clicking on the button labeled “SUBMIT”, “GET QUOTES”, “I ACCEPT”, “I AGREE”, ANY LINK THROUGH WHICH YOU SUBMIT CONTACT INFORMATION, or such similar links as may be designated by us to accept these terms and conditions of this Agreement, you are entering into a legally binding contract and submitting a legally binding electronic signature. You acknowledge that your electronic submissions constitute your agreement and intent to be bound by these Terms of Use.MiscellaneousWe shall be permitted to send you notices by posting a notice on the Website (deemed received on your accessing the Website or using the Service) or via e-mail to the address that you provided (deemed received on the following day). No partnership, agency, employer-employee, joint venture, or franchiser-franchisee relationship is intended or created by these Terms of Use between you and us. These Terms and any documents expressly incorporated by reference, including the Privacy Policy, constitute the entire agreement between you and us with respect to the subject matter hereof, and, unless otherwise specifically stated in writing, there are no other terms, conditions, or obligations between the parties relating to the use of the Website or the Service, other than those contained in these Terms. Any waiver of any provision of these Terms will be effective only if made in writing and signed by us. The section headings used herein are for convenience only and shall not be given any legal importance. Any protection of intellectual property rights, any of your representations and warranties and any limitations on liability explicitly set forth herein, shall remain in full force and effect notwithstanding any termination of your use of the Service. If any provision of these Terms is found by an arbitrator or court of competent jurisdiction (if applicable) to be invalid or unenforceable, any other provisions of these Terms will continue in full force and effect and you agree that the court should endeavor to give maximum effect to the parties’ intentions as reflected in the provision.