InsurancePoliciesOnline.com, LLC grants you, the
user, a single, non-exclusive limited personal license to view and utilize the
information contained on this site.
This site and all related services are provided subject to your
compliance with these terms and conditions and all applicable insurance
laws. Your use of this site shall be
your acceptance of these terms.
We may at any time revise these terms by updating
them. You agree to be bound by subsequent revisions and agree to review the
terms periodically for changes to them. The most up to date version of the
terms will always be available for your review under the Terms and Conditions and
Privacy Policy link that appears at the bottom of one or more pages on
the site. We may also offer other services from time to time that are governed
by different terms and conditions.
With the exception of applications commonly known as
web browser software, or other applications formally approved by us in writing,
you agree not to use any software, program, application or any other device to
access or log on to our computer systems,
site or proprietary software or to automate the process of obtaining,
downloading, transferring or transmitting any content, information or quotes to
or from our computer systems, site or proprietary software. We are not
responsible for, and make no warranties regarding, the access, speed or
availability of the Internet in general or the site in particular. You agree that you will not copy, reproduce,
alter, modify, create derivative works, or publicly display any content from
the site without our prior written permission, or that of the appropriate third
party.
This site and its contents are for informational and
educational purposes only. You alone will need to evaluate the merits and risks
associated with the use of the site. Although the site may provide information
relating to financial and insurance advice, no information available through
the site is intended or should be construed as a recommendation or endorsement
from InsurancePoliciesOnline.com, LLC.
Nothing contained on the site constitutes financial and insurance
advice. Decisions based on information contained within the site are your sole
responsibility. As discussed below, in
exchange for using the site, you agree not to hold InsurancePoliciesOnline.com,
LLC liable for any possible claim for any damages arising from any decision you
make based on such information.
The application and quotation services offered by
InsurancePoliciesOnline.com are as a convenience to site visitors. Every reasonable effort is made to ensure
that all quotes delivered online are accurate.
We will not be responsible for errors in rating, classification,
description, payment terms or other factors related to the issuance of an
insurance policy.
InsurancePoliciesOnline.com is NOT an insurance company but is a
licensed insurance broker. All policies
are issued by an insurance company, as identified on the web site.
When you choose to purchase insurance at
InsurancePoliciesOnline.com, you warrant the following:
All information presented at this site is for
general reference use only. The policy,
coverage and all other insurance information contained on this site is a
general description of the coverage typically available to you. The exact coverage offered by any insurance
company will be subject to the terms and conditions of the insurance policy as
prepared by that insurance company. An
insurance policy is a contract between you and the insurance company and, in
addition to applicable law, the insurance policy represents the entire legal
relationship between you and that insurance company. InsurancePoliciesOnline.com is a licensed insurance broker and
neither endorses nor recommends any specific insurance company or insurance
policy.
Privacy Policy
InsurancePoliciesOnline.com is committed to
protecting your privacy and all confidential business information. We will not collect personal information
about you without your knowledge. When
you do provide personal information, even your name and email address, we only
use it for the purposes of providing you with an insurance proposal and
administering your account. This may require
the disclosure of some of your information directly to the underwriter at the
insurance company. They are required to
follow privacy rules and may only use that information for the purpose of
quoting your insurance and/or issuing an insurance policy. You will not receive unsolicited contacts by
the insurance company.
We will not share your information with others
without your permission.
InsurancePoliciesOnline.com does not use “cookies” to collect data about
you. The only use of a cookie on this
site is associated with the online quote mechanism and is necessary to
establish a unique user session to keep your data secure and private.
All credit card data is received directly by the
processing service. None of your credit
card information is stored on our servers.
You may select to receive offers from our ad
partners, associations and affiliates when you open your account. From time to time certain companies which
advertise with or, are affiliated with, InsurancePoliciesOnline.com may want to
make certain special offers available to our clients and account holders. These are typically targeted to contractors
and small business owners. When we do
send you an offer, it will come from InsurancePoliciesOnline.com and we will
not provide your contact information to another company. It will always be your choice if you wish to
contact them to take advantage of the offer.
These offers will not be frequent.
We promise not to “spam” you with messages. You can add or remove
yourself from the list at anytime by selecting 'Account Services' from the menu bar
and changing your selections in the 'Change Contact Information' section.
Warranties; Intellectual Property
ALL MATERIAL AT INSURANCEPOLICIESONLINE.COM IS
PRESENTED “AS IS” WITH NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER
EXPRESS OR IMPLIED. WE DO NOT WARRANT
THAT FUNCTIONS OF THE QUOTE PROCESS, OR CONTENT CONTAINED HEREIN TO BE
AVAILABLE UNINTERUPTED OR ERROR FREE, THAT THE SITE OR THE SERVER THAT MAKES IT
AVAILABLE ARE FREE OF VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS. INSURANCEPOLICIESONLINE.COM DOES NOT MAKE
ANY WARRANT OR REPRESENTATION REGARDING THE USE OR THE RESULTS OF THE USE OF
THE MATERIALS AT THIS SITE AS TO THEIR CORRECTNESS, ACCURACE, RELIABILITY,
SUITABILITY OR OTHERWISE. THERE IS NO WARRANTY OF
MERCHANTABILITY, NO WARRANTY OF FITNESS FOR A PARTICULAR USE AND NO WARRANTY OF
NON-INFRINGEMENT. THERE IS NO OTHER WARRANTY OF ANY KIND, EXPRESS OR IMPLIED,
REGARDING THE INFORMATION OR ANY ASPECT OF THE SITE. YOU ASSUME THE ENTIRE COST OF ANY AND ALL NECESSARY SERVICING,
REPAIR OR CORRECTION RESULTING FROM YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR
YOUR USE OF THIS SITE AND ALL SITE RELATED SERVICES. INSURANCEPOLICIESONLINE.COM IS NOT RESPONSIBLE FOR THE CONTENT OR
ACTIONS OF ANY OTHER SITE THAT MAY BE LINKED TO THIS SITE. WE HAVE NO CONTROL OVER THE PRIVACY
PRACTICES OF OTHER WEB SITES. ANY LINKS
ARE PROVIDED FOR YOUR CONVENIENCE ONLY AND YOU ACCESS THEM AT YOUR OWN RISK
SUBJECT TO THEIR TERMS OF USE. WE MAY PROVIDE A LINK TO OTHER
SITES AS PART OF THE SITE. SUCH SITES ARE NOT UNDER OUR CONTROL, AND WE MAKE NO
REPRESENTATIONS WHATSOEVER CONCERNING THE CONTENT OF THOSE SITES. UNLESS WE
EXPRESSLY STATE OTHERWISE, THE FACT THAT WE HAVE PROVIDED A LINK TO A SITE IS
NOT AN ENDORSEMENT, AUTHORIZATION, SPONSORSHIP, OR AFFILIATION WITH RESPECT TO
SUCH SITE, ITS OWNERS, OR ITS PROVIDERS. THERE ARE RISKS IN USING ANY
INFORMATION, SOFTWARE, OR PRODUCTS FOUND ON THE INTERNET, AND WE CAUTION YOU TO
MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RETRIEVING, USING, RELYING UPON, OR
PURCHASING ANYTHING VIA THE INTERNET. ADVERTISEMENTS ON THIS SITE ARE NOT REVIEWED FOR THE ACCURACY OR
VALIDITY OF THEIR OFFERS. THE ENTIRE
RISK AS TO THE USE OF THIS SITE IS ASSUMED BY YOU.
All graphics, text and all other types of content along
with all code including but not limited to HTML, ASP, SQL and all other mark-up
languages and all scripts contained within the site are the property of
InsurancePoliciesOnline.com, LLC. Use
for any purpose other than that expressly stated in writing is prohibited.
The site and its content are owned by InsurancePoliciesOnline.com, LLC or its affiliates or agents and are protected by United States copyright laws and international treaty provisions. All content, trademarks, services marks, trade names, logos, and icons are proprietary to InsurancePoliciesOnline.com, LLC or its affiliates or agents. Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without our written permission or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided herein, is strictly prohibited. Images displayed on the site are either the property of, or used with permission by, InsurancePoliciesOnline.com, LLC. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted under these terms. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, or other regulations and statutes.
You agree to indemnify and hold
InsurancePoliciesOnline.com, LLC and its affiliates, agents, representatives,
employees, and licensors harmless from any claim or demand, including
attorneys' fees, made by any third party arising out of your use of any portion
of the site or your violation of these terms.
Under no circumstances, including but not limited to
a negligent act, will InsurancePoliciesOnline.com, LLC or its affiliates or
agents be liable for any damages of any kind that result from the use of, or
the inability to use, any portion of the site, even if one of our authorized
representatives have been advised of the possibility of such damages.
Applicable law may not allow the limitation or exclusion of liability or
incidental or consequential damages, so the above limitation or exclusion may
not apply to you.
You agree that InsurancePoliciesOnline.com, LLC shall not be liable in any way for the accuracy, completeness, timeliness or correct sequencing of the information contained or referenced on this site, or for any decision made or action taken by you relying upon such information. You further agree that InsurancePoliciesOnline.com, LLC will not be liable in any way for the interruption of any data, information or other aspect of the site. You understand that none of such information available through the site constitutes a recommendation or solicitation that you should purchase any particular insurance policy or type of insurance.
This agreement shall be governed by, construed and
enforced in accordance with the internal laws of the State of Missouri. Any action brought by any party in
connection with this site shall be brought only in either the state or Federal
courts located in the City of St. Louis or St. Louis County, MO. You expressly consent to the jurisdiction of
these courts by your use of this site.
If any provision of this agreement or any other
terms or policies of this site shall be deemed unlawful, void or for any reason
unenforceable, then that provision shall be deemed severable from this
agreement and shall not affect the validity and enforceability of any remaining
provisions. This is the entire
agreement between the parties relating to all matters set forth herein. InsurancePoliciesOnline.com, LLC reserves
the right to change or modify these terms and conditions at any time. Any changes or modifications are effective
immediately upon posting to the site.
The license granted under these terms will terminate if you fail to comply with any term or condition. Upon such violation, you agree to terminate access to the site. You agree that InsurancePoliciesOnline.com, LLC, in its sole discretion and with or without notice, may terminate your access to any or all of the site, and remove and discard any information or content within the site. InsurancePoliciesOnline.com, LLC may also in its sole discretion with or without notice discontinue providing the site. You also agree that InsurancePoliciesOnline.com, LLC will not be liable to you or any third party for any termination of your access to the site.
InsurancePoliciesOnline.com reserves the right to withdraw, suspend or discontinue any and all features and function of this site without notice. We make no guarantee that all sections of the site will continue to be accessed for free by non-customers. Features, services and permissions may change or cease at any time without notice.