These Terms and Conditions govern the relationship between you ("You," "Your," "Yours," "Customer," "Customers," "User," "Users," "Applicant," "Applicants,") and Findalowrate.com ("We," "Us," "Our," "Ours," the "Website," "Findalowrate") regarding Your use of Our Website. This Website is owned and operated by Findalowrate.com offers insurance and reinsurance services (check “How it Works”) in the United States.
By using our services, You acknowledge that you have read and agree to abide by these Terms and Conditions (hereafter "Agreement", "Document", “Terms”). If you disagree with this Document fully or in part, you must not use our services. Please be informed that any access to our Website and services constitutes Your acceptance of the Terms and Conditions set forth below.
We may change, update, amend these Terms and Conditions periodically without providing You with a prior announcement. You understand and agree that your further use of Our services after making any changes to these Terms and Conditions constitutes Your unconditional and expressed acceptance of the changed Document. Thus, we encourage Our Users to check this Document from time to time. We may terminate, suspend, change, or restrict your access to all or any part of our Website and services without notice or liability as soon as We qualify Your activities as a violation of these Terms.
Any and all information available on or through Our Website is not intended for use within any country or jurisdiction where it may constitute a violation of the law. Please be informed that, if this applies to You, You are no longer authorized to use or otherwise access the information available on our Website.
Use of the Website
We hereby grant you a non-exclusive, non-transferable, revocable, limited right and license to access and use Our Website but not to download or otherwise modify it (or any part of it) without having our written consent. Please be informed that such license doesn't allow any commercial use of Our Website, including but not limited to collection or use of any product listings, descriptions, or prices; any derivative use of contents available on Our Website, or any use of data mining, robots, or similar data gathering and extraction tools. You are not authorized to reproduce, duplicate, copy, sell, resell, or otherwise use Our Website for any commercial purpose without Our written consent. Any unauthorized access or use may terminate the license granted to you by us. Please be informed that due to different regulatory restrictions, certain products/services set out on this Website may not be available to all users. You may contact Us directly to find out which products/services are available to you in your jurisdiction.
Intellectual Property Rights
The content of the Website, including but not limited to, the Website structure, design, databases, texts, images, trademarks, logos, and graphic elements, as well as HTML reference tags (meta-tags), are exclusively owned by Findalowrate.com. All content available on our Website is protected by copyright law and other applicable intellectual property rights. Any unauthorized use, including but not limited to, alteration, reproduction, distribution, of all or parts of the content available on the Website in any form whatsoever, without the prior written consent of Findalowrate is strongly prohibited.
Prohibited Use
You hereby warrant that you won't use Our Website:
1) for unauthorized, unlawful, fraudulent, or otherwise malicious purposes, including but not limited to, hacking or defacing any and all parts of the Website,
3) to damage, overburden, disable, impair any server or otherwise network connected to any server,
4) to have unauthorized access to computer systems, networks, and any other accounts throughout our Website,
5) to gain access to a data, system or information that is not intended to be accessible to a User,
6) to obtain all the materials through any means not made available by Us,
Additionally, by using Our Website you also acknowledge and agree not to:
- Create a false identity to mislead other users or impersonate any entity or person to misrepresent or otherwise falsely state your connection with a person or entity.
- Input or upload to the Website any material that contains viruses, or other computer programming routines that are intended to damage, interfere with, intercept or expropriate any system, the Website.
- Use any material available on Our Website that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party.
- Remove any and all legal notices, author attributions, or proprietary designations, including but not limited to label and logos, that you have made available to any communication feature.
- Violate any state, national or international law.
- Manipulate Our Website by making use of mirroring, framing, or creating deep links or directly link to any portion of the Website other than according to Our limited license and site access.
- Use email-address harvesting.
We retain the right to take action against actual or suspected violations. We may also cooperate with third parties and/or legal authorities related to any investigation on suspected or alleged crime or otherwise civil wrong. We reserve the right to disclose, edit or refuse to post (according to Our Privacy Policy) any information at Our sole discretion in order to comply with applicable law, legal processes, or governmental requests.
Right to Monitor
We do not actively monitor Your use of Our Website and do not exercise editorial control over the third parties' content, electronic mail transmission, or any other material accessed on or through our Website. However, we reserve the right to monitor any use of our Website at any time and revise & remove any materials that may violate these Terms and Conditions or any applicable law.
Links to Third-Party Websites
Findalowrate.com may contain links to third-party affiliates' websites. We are not responsible for the information practices employed by sites linked to or from our Website. Since third-party websites may have different Privacy Policies and/or security standards governing their websites, we advise you to review their Privacy Policies and Terms and Conditions prior to providing any personal information.
Electronic Communications: By visiting our Website or sending us emails, you consent to receive communications from Us electronically. We may communicate with you either by sending emails or posting notices on our Website. You hereby acknowledge and agree that any and all communications provided to you will have the same legal validity and enforceability as if they are in writing.
Content Modification: We reserve the right to change/update/modify/amend or discontinue any and/or all products/services, content, or software at Our sole discretion without providing any prior notice. Please be informed that by no means Findalowrate or its affiliates should be liable for any modifications or discontinuance of any products/services.
Privacy Policy: If you want to know more about how We collect, use, reveal, process, and protect the personal information you provide to Us, or We collect, please check Our Privacy Policy.
Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT ANY AND ALL USE OF OUR WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE, ITS CONTENT AND ALL PRODUCTS AND SERVICES PROVIDED ON OR THROUGH IT ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTY. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING AND TO THE FULLEST EXTENT OF THE LAW, THE INDEMNIFIED ENTITIES EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING ANY: (1) WARRANTIES THAT THE WEBSITE, WEBSITE CONTENT, OR ANY PRODUCTS OR SERVICES PURCHASED ON OR THROUGH THE WEBSITE WILL MEET YOUR REQUIREMENTS; (2) WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, TIMELINESS OF THE WEBSITE CONTENT, OR ANY PRODUCTS OR SERVICES PURCHASED ON OR THROUGH THE WEBSITE; (3) WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE; (4) WARRANTIES FOR SERVICES OR GOODS RECEIVED THROUGH OR ADVERTISED ON OUR WEBSITE; (5) WARRANTIES CONCERNING THE ACCURACY OR RELIABILITY OF THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE; (6) WARRANTIES THAT YOUR USE OF THE WEBSITE WILL BE SECURE OR UNINTERRUPTED; AND (7) WARRANTIES THAT ERRORS ON THE WEBSITE WILL BE CORRECTED.
Limitation on Liability
UNDER NO CIRCUMSTANCES SHALL THE INDEMNIFIED PARTIES BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF THE ABOVE LISTED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM, ARISING OUT OF, RELATING TO, OR IN ANY WAY CONNECTED WITH: (1) THE USE OR THE INABILITY TO USE THE WEBSITE; (2) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE WEBSITE; (3) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (4) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (5) ANY OTHER MATTER RELATING TO THE WEBSITE OR THESE TERMS. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE WEBSITE, INCLUDING, WITHOUT LIMITATION, THE WEBSITE CONTENT, IS TO STOP USING IT. SUCH LIMITATION SHALL ALSO APPLY REGARDING DAMAGES INCURRED BECAUSE OF SERVICES OR PRODUCTS RECEIVED THROUGH OR ADVERTISED IN THE WEBSITE OR ANY LINKS ON THE WEBSITE, AS WELL AS BY REASON OF ANY INFORMATION OR ADVICE RECEIVED THROUGH OR ADVERTISED IN CONNECTION WITH THE WEBSITE OR ANY LINKS ON THE WEBSITE. SUCH LIMITATION SHALL ALSO APPLY WITH RESPECT TO DAMAGES INCURRED BY REASON OF ANY CONTENT POSTED BY A THIRD PARTY OR CONDUCT OF A THIRD PARTY ON THE WEBSITE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE MENTIONED LIMITATIONS MAY NOT APPLY TO YOU.
Indemnity
You hereby acknowledge and agree to indemnify, protect and hold harmless Findalowrate.com, including but not limited to its subsidiaries, and affiliates, and each of their directors, officers, agents, contractors, partners, and employees, against any and all claims, damages, penalties, attorneys' and consultants' fees, expenses and/or liabilities arising out of, involving, or in connection with, the use of Our Website.
Dispute Resolution and Governing Law
To ensure the resolution of disputes that arise in connection with this Agreement and/or use of Our Website, You agree that any and all disputes, claims, or causes of action shall be resolved exclusively to the fullest extent permitted by the binding arbitration in Los Angeles, California under the applicable American Arbitration Association (AAA) rules. The award of such arbitrator shall be final and binding on the parties and may be enforced by any court of competent jurisdiction. In no event shall either party be liable to the other for any special, indirect, consequential, incidental, or punitive damages. Also, parties waive any claim, loss, damage, or expense greater than the actual compensatory damages. Arbitration claims, including but not limited to, non-party claims, cannot be consolidated irrespective of the nature of the issues or disputes involved.
By accepting these terms and conditions, You waive your right to resolve any dispute arising out of or in connection with the use of our services through a trial by jury or judge or administrative proceeding and also participate in class action lawsuits.
You hereby agree that any cause of action arising out of, relating to, or in any way connected with Our Website or these Terms must commence within one (1) year after the cause of action accrues; otherwise, such cause of action shall be permanently barred.
Entire Agreement
These Terms and Conditions, together with the Privacy Policy, constitute a legally binding agreement between you and Findalowrate that supersedes and cancels all prior written and oral agreements with respect to the subject matter of this Agreement.