Patent PendingPatent PendingWelcome to InsuranceBuddy. InsuranceBuddy, a service provided by Digital Benefits Advisors, LLC (“InsuranceBuddy,” “we,” “our,” or “us”), makes this platform and all software, services, content, and materials related to this platform or made accessible to you in connection with our platform or services (collectively, our “Service”) available for your use subject to the terms and conditions in these Terms of Service (“Terms”). By accessing or using our Service in any way, including, without limitation, by clicking “I accept” when presented with these Terms in connection with the Service, you agree to be bound by these Terms. If you do not accept any of these Terms and/or you do not meet or comply with their provisions, you may not use our Service.
IMPORTANT NOTICE: YOUR USE OF OUR SERVICE IS SUBJECT TO AN ARBITRATION PROVISION IN SECTION 9 OF THESE TERMS, REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. PLEASE CAREFULLY REVIEW SECTION 9 OF THESE TERMS FOR MORE INFORMATION.
On the condition that you comply with all of your obligations under these Terms, and subject to any additional terms which we may present to you regarding certain features or functions of the Service or in any third-party licenses applicable to our Service, we hereby grant to you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use our Service. We reserve all rights not otherwise expressly granted by these Terms. If you do not comply with these Terms, we reserve the right to revoke any license granted in these Terms and limit your access to our Service. Any use of our Service that exceeds the rights expressly granted in these Terms is strictly prohibited and constitutes a violation of these Terms, which may result in the termination of your right to access and use our Service. Any third-party software included in our Service is licensed subject to the additional terms of the applicable third-party license.
We may discontinue or alter any aspect of our Service, restrict the time our Service is available, and restrict the amount of use permitted at our sole discretion and without prior notice or liability to you. We may also install bug fixes, updates, patches, and other upgrades to our Service without prior notice or liability to you. Your only remedy is to discontinue using our Service if you do not want a modification we make to our Service.
Your access to our Service is provided on a temporary basis with no guarantee of future availability or continued right to access. You agree that we may immediately suspend or terminate your access to our Service or any part thereof for any reason, in our reasonable discretion. Causes for such measures include, without limitation: (a) breach or violation of these Terms, or other incorporated agreements or guidelines; (b) discontinuance or material modification to our Service; (c) unexpected technical or security issues or problems; (d) extended periods of inactivity; or (e) your engagement in fraudulent or illegal activities. You further agree that such measures may be taken in our sole discretion and without liability to you or any third party.
We use commercially reasonable efforts to maintain our Service, but we are not responsible for any defects or failures associated with our Service, any part thereof, or any damages (such as consequential or indirect damages) that may result from any such defects or failures. Our Service may be inaccessible or inoperable for any reason, including, without limitation: (a) equipment malfunctions; (b) periodic maintenance procedures or repairs which we may undertake from time to time; or (c) causes beyond our reasonable control or which we could not reasonably foresee. You understand that our Service is provided over the Internet, so the quality and availability of our Service may be affected by factors outside of our control. Our Service is not intended to be available 100% of the time and we do not make any representations, warranties, or guarantees regarding the reliability or availability of our Service. We do not represent, warrant, or guarantee that our Service will always be available or is completely free of human or technological errors. We will not be liable to you or any third party for damages or losses related to our Service being unavailable.
You may not: (a) license, sublicense, sell, resell, transfer, assign, distribute, or otherwise commercially exploit or make available to any third party any portion of InsuranceBuddy IP in any way, including the Service, any InsuranceBuddy Materials (as defined below), or other data contained therein; (b) copy, modify, adapt, alter, translate, create derivative works, reverse engineer, decompile, disassemble, or otherwise attempt to learn the source code, structure, or ideas upon which our Service is based; (c) use InsuranceBuddy IP, including our Service and InsuranceBuddy Materials, to develop a competing service or product; (d) use any device, software, or routine intended to damage or otherwise interfere with the proper functioning of our Service, servers, or networks connected to our Service or take any other action that interferes with any other person’s use of our Service; (e) decrypt, transfer, create Internet links to our Service, or “frame” or “mirror” our Service on any other server or wireless or Internet-based device; (f) use or merge our Service or any component thereof with other software, databases, or services not provided or approved by us; (g) circumvent or attempt to circumvent any electronic protection measures in place to regulate or control access to our Service; (h) use our Service for unlawful purposes; (i) develop, distribute, or sell any software or other functionality capable of launching, being launched from, or otherwise integrated with our Service; (j) use any bot, spider, or other automatic or manual device or process for the purpose of harvesting or compiling information on our Service for any reason; (k) access or attempt to access any other user’s account; (l) use any InsuranceBuddy IP, including any InsuranceBuddy Materials made available through our Service, in any manner that misappropriates any trade secret or infringes any copyright, trademark, patent, rights of publicity, or other proprietary right of any party; (m) introduce into our Service any virus, rogue program, Trojan horse, worm or other malicious or intentionally destructive code, software routines, or equipment components designed to permit unauthorized access to or disable, erase, or otherwise harm our Service, or perform any such actions; (n) introduce into our Service any back door, time bomb, drop dead device, or other software routine designed to disable a computer program automatically with the passage of time or under the positive control of an unauthorized person; (o) delete, modify, hack, or attempt to change or alter InsuranceBuddy IP, including our Service, InsuranceBuddy Materials, or notices on our Service; (p) connect to or access any InsuranceBuddy computer system or network other than our Service; (q) impersonate any other person or entity to use or gain access to our Service.
Our Service may include or provide access to information, software, photos, videos, text, graphics, music, sounds, and other material or information provided by us or third parties, and may allow you to access data, documents, works, methods, processes, assessments, surveys, or reports that are provided or used by InsuranceBuddy in connection with our Service, or otherwise comprise or relate to our Service (collectively, the “InsuranceBuddy Materials”) whether or not protected by intellectual property laws. You are not acquiring any rights in or to the InsuranceBuddy Materials other than a non-exclusive right to access and use the InsuranceBuddy Materials solely in accordance with these Terms and solely in connection with your personal use of our Service. You understand and agree that InsuranceBuddy’s rights in any InsuranceBuddy Materials are valid and protected in all forms, media, and technologies existing now or developed in the future. You may not obscure or remove any proprietary rights notices contained in or on the InsuranceBuddy Materials.
Our Service includes features that allow you to upload, submit, store, or send data, information, or content through our Service (collectively, “User Content”). By submitting User Content to our Service, you grant InsuranceBuddy a transferable, nonexclusive, worldwide, perpetual, irrevocable, royalty-free right and license to use, reproduce, modify, edit, adapt, publish, translate, display, distribute, sublicense through multiple tiers, dispose of, assign, create derivative works and compilations incorporating User Content for the purposes of: (a) providing our Service, and (b) carrying out other lawful business purposes, including but not limited to the creation of aggregated and de-identified data derived from User Content. We reserve the right to remove User Content from our Service at any time and for any reason without notification to you. YOU AGREE THAT YOU WILL EVALUATE AND BEAR ALL RISK RELATED TO THE USE OF, OR ANY ACTIVITIES ASSOCIATED WITH, USER CONTENT THAT YOU POST OR PROVIDE THROUGH OUR SERVICE. THE RESULTS OF ANY ACTIONS YOU TAKE BASED ON USER CONTENT, INSURANCEBUDDY MATERIALS, OR OTHER CONTENT YOU FIND ON OUR SERVICE ARE SOLELY YOUR RESPONSIBILITY. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE IN ANY WAY FOR USER CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF ANY USER CONTENT PROCESSED THROUGH OUR SERVICE.
You may not upload, post, or transmit any User Content that: (a) would violate or infringe the proprietary, privacy, publicity, or intellectual property rights of InsuranceBuddy or any third party; (b) violates any applicable law, statute, ordinance, or regulation; or (c) puts in jeopardy the security of your account, InsuranceBuddy or our Service. We reserve the right, but have no obligation, to pre-screen, review, flag, filter, modify, refuse, and remove any and all User Content from the Service. You understand and expressly acknowledge that by using our Service you may be exposed to content that you find offensive, indecent, or objectionable and that we will not be liable to you or any other person or entity for your consumption of any content on our Service.
We welcome your comments, feedback, information, or materials regarding our Service or any of our other products or services (collectively, “Feedback”). Your Feedback will become our property upon your submission to us. By submitting your Feedback to us, you agree to assign, and hereby irrevocably assign to us, all right, title, and interest in and to the Feedback and all copyrights and other intellectual property rights embodied in such Feedback on a worldwide basis. We will be free to use, copy, distribute, publish and modify your Feedback on an unrestricted basis, without compensation to you. Moreover, you hereby assign or waive, as the case may be, any moral rights that you may have in or to the Feedback.
Our Service may include links to other websites or resources on the Internet, or utilize content of other third parties (collectively, “Third-Party Materials”). Because we have no control over Third-Party Materials or the administration of Third Party Materials by the third parties that provide them, you acknowledge and agree that we are not responsible for the availability of such materials, and we do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such Third-Party Materials or for any privacy or other practices of the third parties operating those websites or providing such materials. You further acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, in connection with, resulting from your use of or reliance on any such Third-Party Materials available on or through any such website or resource. We strongly encourage you to review any separate terms of use and privacy policies governing use of these third-party websites and Third-Party Materials.
InsuranceBuddy or its licensors exclusively own all right, title and interest in and to our Service, the InsuranceBuddy Materials, and Feedback, including but not limited to, all ideas, inventions, inferences, discoveries, source and object software code, developments, derivative works, enhancements, upgrades, fixes and patches, formats and processes, and all images, trademarks, service marks, logos and icons displayed or related therein or thereto (collectively, “InsuranceBuddy IP”). Except as expressly provided herein, you have no right, license, or authorization with respect to any of the InsuranceBuddy IP. You shall not assert any claims to the contrary or otherwise do anything inconsistent with the allocation of ownership herein, including, but not limited to, challenging the validity of the authorizations or any intellectual property rights granted herein. In the event you are ever deemed to be the owner of any of the InsuranceBuddy IP, you shall immediately take all necessary steps to evidence, transfer, perfect, vest, or confirm InsuranceBuddy’s right, title and interest in the InsuranceBuddy IP. InsuranceBuddy is not transferring or granting to you any right, title, or interest in or to (or granting you any license or other permissions in or to) any InsuranceBuddy IP. The sole exceptions to the foregoing reservation of rights are the limited rights granted to you to use our Service, and which shall automatically terminate upon expiration or termination of these Terms. Any unauthorized use of any InsuranceBuddy IP, whether owned by us or other parties, may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes. Trademarks owned by third parties are the property of those respective third parties.
The Service may use artificial intelligence and other automated technologies (collectively, “AI Features”) to process information and documents you submit, extract and organize insurance information, generate summaries, calculate insurance-related costs, respond to questions, and provide other informational features. AI-generated content is based on the information you provide and other available data. Because AI Features are probabilistic and may not identify or interpret all relevant information, outputs may be inaccurate, incomplete, outdated, misleading, or inappropriate for your particular circumstances. InsuranceBuddy does not represent or warrant that any AI-generated content is accurate, complete, reliable, or suitable for any particular purpose. You are responsible for independently reviewing and verifying AI-generated content before relying on it or taking any action based on it.
InsuranceBuddy is not an insurance carrier, agent, broker, producer, advisor, healthcare provider, financial advisor, attorney, or other licensed professional. The Service, including the AI Features, is provided solely for general informational and organizational purposes and does not provide insurance, medical, financial, legal, tax, or other professional advice. The Service does not recommend any particular insurance product, policy, coverage, benefit, claim, or course of action and is not a substitute for reviewing the applicable policy documents or consulting an insurance carrier, plan administrator, licensed insurance professional, healthcare provider, attorney, financial advisor, or other qualified professional. Your use of the Service does not create an advisory, fiduciary, professional, or other special relationship between you and InsuranceBuddy.
As between you and InsuranceBuddy, you retain ownership of the User Content and other content you upload to the Service and resulting outputs to the extent permitted by law. You grant InsuranceBuddy a license to process inputs for our legitimate business purposes, including but not limited to providing, maintaining, securing, and improving the Service. InsuranceBuddy and its licensors retain all right, title and interest in and to all intellectual property rights in the models, algorithms, and underlying technologies.
You will not use AI features to: (a) create or disseminate unlawful, infringing, defamatory, or deceptive content; (b) disclose another party’s confidential information; (c) train, fine-tune, or improve models; or (d) benchmark, publish, or publicly compare AI performance without our prior written consent.
YOU MUST BE AT LEAST AGE EIGHTEEN (18) TO USE OUR SERVICE. BY ACCESSING, USING AND/OR SUBMITTING INFORMATION TO OR THROUGH OUR SERVICE, YOU REPRESENT THAT YOU ARE NOT YOUNGER THAN AGE 18 AND HAVE THE LEGAL CAPACITY TO ENTER INTO THESE TERMS.
Access to our Service requires you to be registered with us via an InsuranceBuddy-generated registration process. This process will require you to provide certain requested information (which may include personal information) that may also constitute User Content hereunder. At such time, you will be provided with an account and login information, including a username and password to successfully complete the registration process. You are the only person authorized to access and use your account. You may also register by linking your account with a Third-Party Sign-In Service, as described in more detail in Section 4.3.
We may allow you to create or access your account using a third-party authentication service, such as Sign in with Apple or Google Sign-In (each, a “Third-Party Sign-In Service”). If you use a Third-Party Sign-In Service, you authorize that provider to share certain account information with us, such as your name, email address, and a unique account identifier, as permitted by your settings and the provider’s terms. We do not receive or store the password you use for the Third-Party Sign-In Service. Your use of a Third-Party Sign-In Service is governed by your agreement with the applicable provider. If you disable our access to, or lose access to, the account associated with a Third-Party Sign-In Service, you may be unable to access your InsuranceBuddy account unless another login method is available.
You are responsible for maintaining the confidentiality of your username and password and are fully responsible for all activities that occur under your username and password. You also agree that you will provide truthful and accurate information during the registration process. We may refuse to grant you a particular username for any reason, including, without limitation, if we have reason to believe that such username impersonates someone else, is protected by trademark or other proprietary rights, or is vulgar or otherwise offensive.
Our Service may allow you to store your login credentials in your web browser or in our mobile app or on your Mobile Device so that you can be automatically logged in each time you access our Service. If someone else has access to your computer, web browser or mobile device, the automatic login feature will allow that person to have access to your account. You are responsible for any damages to InsuranceBuddy or our Service resulting from unauthorized access to our Service from your account and we will have no liability to you or any third party for damages or loss related to such unauthorized access or use.
We may allow you to refer friends to our Services by sending an email or text message through the Service. You may only provide contact information for individuals with whom you have a personal relationship and whom you believe would welcome the referral. You may not use the referral program to send unsolicited or bulk communications. We may offer referral incentives from time to time, subject to any additional eligibility requirements, limitations, and terms presented with the applicable offer. We may modify, suspend, or terminate the referral program or any incentive at any time, subject to applicable law.
By providing your mobile phone number or enabling notifications on your device, you may receive transactional text messages and push notifications relating to your account and use of the Services. If you separately consent, we may also send marketing or promotional text messages and push notifications. Consent to receive marketing messages is not a condition of purchasing or using the Services. Message and data rates may apply, and message frequency may vary. You may opt out of marketing text messages by replying STOP and may disable push notifications through your device settings. After opting out of marketing messages, you may continue to receive transactional communications permitted by applicable law.
Your contract with your mobile network provider (“Mobile Provider”) will continue to apply when accessing or using our Service on your mobile device (“Mobile Device”). You understand that your Mobile Provider may charge you fees for your use of its network connection services while accessing or using our Service, making downloads, email, text messages, roaming, and other Mobile Provider or third-party charges. YOU ACCEPT RESPONSIBILITY FOR ALL MOBILE PROVIDER FEES.
Subject to your compliance with this Agreement, InsuranceBuddy grants you a limited, non-exclusive, non-transferable, revocable license to download, install and/or use a copy of the Service, as applicable to the nature of such Service, on a single mobile device that you own or control. Furthermore, with respect to any Service accessed through or downloaded from the Apple App Store, Google Chrome Web Store, Google Play, the Samsung Apps marketplace, Amazon Skills Store or any similar store or marketplace authorized by InsuranceBuddy (each, an “App Store” and references to an App Store include the corporate entity and its subsidiaries making such App Store available to you), you agree to comply with all applicable third-party terms of the relevant App Store when using the Service.
If you downloaded the Service from an App Store, you acknowledge and agree that the availability of the Service is dependent on the App Store from which you received the Service. You acknowledge that this Agreement is between you and InsuranceBuddy and not with the App Store. The App Store is not responsible for the Service (including Service-related content, maintenance, support, and warranty) or addressing any claims relating to the Service (e.g., product liability, consumer protection laws, legal compliance, or intellectual property infringement). You agree to pay all fees charged by the App Store in connection with software (if any). You acknowledge that the App Store (and its subsidiaries) are third-party beneficiaries of this Agreement and will have the right to enforce this Agreement.
In the event of any failure of the Service to conform to any applicable warranty, you may notify the applicable App Store and obtain a refund of any fees charged for the Service (if any) by the App Store. To the maximum extent permitted by applicable law, the App Store will not have any warranty obligation whatsoever with respect to the Service. As between InsuranceBuddy and the App Store, any claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of InsuranceBuddy.
If you download the Service from the Apple App Store, the following additional terms shall apply:
You acknowledge and agree that (i) the Agreement is concluded between you and InsuranceBuddy only, and not Apple, and (ii) InsuranceBuddy, not Apple, is solely responsible for the Service and content thereof. Your use of the Service must comply with the App Store Terms of Service.
You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Service.
In the event of any failure of the Service to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Service to you and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Service. As between InsuranceBuddy and Apple, any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of InsuranceBuddy.
You and InsuranceBuddy acknowledge that, as between InsuranceBuddy and Apple, Apple is not responsible for addressing any claims you have or any claims of any third party relating to the Service or your possession and use of the Service, including, but not limited to: (i) product liability claims; (ii) any claim that the Service fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.
You and InsuranceBuddy acknowledge that, in the event of any third-party claim that the Service or your possession and use of that Service infringes that third party’s intellectual property rights, as between InsuranceBuddy and Apple, InsuranceBuddy, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by the Agreement.
You and InsuranceBuddy acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of the Agreement as related to your license of the Service, and that, upon your acceptance of the terms and conditions of the Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement as related to your license of the Service against you as a third-party beneficiary thereof.
Without limiting any other terms of the Agreement, you must comply with all applicable third-party terms of agreement when using the Service.
You hereby represent and warrant that: (a) you (i) are at least the age of 18; and (ii) have the power and authority to enter into and perform your obligations under this Agreement; (b) all information provided by you to us is truthful, accurate, and complete; (c) you will comply with the terms and conditions of this Agreement and any other agreement to which you are subject that is related to your use of our Service, your Feedback, or any part thereof; (d) if applicable, you have provided and will maintain accurate and complete information with us, including, without limitation, your legal name, email address, and any other information we may reasonably require; (e) your access to and use of our Service or any part thereof will not constitute a breach or violation of any other agreement, contract, terms of use, or any law or regulation to which you are subject; (f) you will immediately notify us in the event that you learn or suspect that the contact information you provided to us has been disclosed or otherwise made known to any other person; (g) you will not use our Service in order to gain competitive intelligence about us, our Service, or any product or service offered via our Service or to otherwise compete with us; (h) your User Content does not violate the rights of any third party, including, without limitation, the intellectual property, privacy or publicity rights of any third party, and constitutes an original work of authorship by you, and (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (j) you are not listed on any U.S. Government list of prohibited or restricted parties.
In the event you provide any Feedback via our Service, you hereby make the following additional representations and warranties to us: (1) you are the owner of such Feedback or otherwise have the right to grant us the licenses or assignments granted pursuant to this Agreement; (2) you have secured any and all consents necessary to provide the Feedback and to grant the foregoing licenses or assignments; (3) the Feedback does not violate the rights of any third party, including, without limitation, the intellectual property, privacy or publicity rights of any third party, and such Feedback does not contain any personally identifiable information about third parties in violation of such parties’ rights; (4) the use of any Feedback will not result in harm or personal injury to any third party; and (5) all factual information contained in the Feedback is true and accurate.
Certain services or features may require payment, including subscriptions, AI assistance, tools, and savings features. By purchasing or enrolling in a paid Service, you agree to pay all applicable fees and authorize us or our third-party payment providers to process electronic debits and credits using ACH or other supported payment methods. Subscriptions may be offered on a monthly or annual basis. Unless you cancel before the end of the applicable subscription period, your subscription will automatically renew for an additional period of the same duration, and you authorize us or our third-party payment providers to charge the then-current subscription fee using your selected payment method. When payment is processed through an app store, your purchase is also subject to the applicable app store’s billing, subscription, cancellation, and refund terms.
You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your then-current subscription period, and you will continue to have access to the paid Service until that period expires. Except as required by applicable law or the applicable app store’s terms, all fees are nonrefundable, and we do not provide refunds or credits for partially used subscription periods. Additional terms relating to fees, payment methods, taxes, promotional offers, or sponsored access may be presented when you purchase a paid Service. By completing the applicable transaction, you agree to those additional terms.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” AND AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, TITLE, AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT OUR SERVICE (INCLUDING THE INSURANCEBUDDY MATERIALS) WILL MEET YOUR REQUIREMENTS, THAT USE OF THE FOREGOING WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT THE RESULTS OBTAINED FROM THE USE OF THE FOREGOING OR ANY INFORMATION OR CONTENT FOUND ON OUR SERVICE WILL BE ACCURATE OR RELIABLE, THAT DEFECTS IN THE OPERATION OR FUNCTIONALITY OF OUR SERVICE WILL BE CORRECTED, THAT OUR SERVICE AND ANY CONTENT OR INFORMATION FOUND ON OUR SERVICE WILL BE VIRUS-FREE, OR THAT THE QUALITY OF ANY INFORMATION, CONTENT, OR OTHER MATERIALS OBTAINED THROUGH OUR SERVICE WILL MEET YOUR EXPECTATIONS. INSURANCEBUDDY WILL HAVE NO LIABILITY REGARDING ANY LOSS OF DATA.
ANY DOWNLOAD OR OTHER ACQUISITION OF CONTENT OR OTHER MATERIALS, INCLUDING THIRD-PARTY CONTENT OR MATERIALS, IS DONE AT YOUR SOLE RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. FURTHER, PLEASE NOTE THAT NO ADVICE OR INFORMATION OBTAINED BY YOU THROUGH OUR SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED FOR IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS INSURANCEBUDDY, OUR AFFILIATES, AND ALL OF THEIR OFFICERS, MEMBERS, MANAGERS, EMPLOYEES, SERVICE PROVIDERS, LICENSORS, AND AGENTS (COLLECTIVELY, “RELEASED PARTIES”) FROM AND AGAINST ANY AND ALL FIRST-PARTY AND THIRD-PARTY CLAIMS, LIABILITIES, DAMAGES, LOSSES, DEMANDS, OR EXPENSES, INCLUDING ATTORNEY’S FEES AND COSTS AND EXPENSES, ARISING OUT OF OR IN ANY WAY CONNECTED WITH: (A) YOUR USE OF OUR SERVICE, (B) YOUR VIOLATION OF THESE TERMS, (C) ANY USER CONTENT YOU PROVIDE THROUGH OUR SERVICE, (D) YOUR VIOLATION OF ANY LAW OR THE RIGHTS OF ANY THIRD PARTY, AND (E) YOUR NEGLIGENCE OR WILLFUL MISCONDUCT.
UNDER NO CIRCUMSTANCES SHALL RELEASED PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY WITH RESPECT TO THEIR OBLIGATIONS UNDER THESE TERMS OR OTHERWISE FOR LOST PROFITS, LOSS OF DATA, WORK STOPPAGE, PERSONAL INJURY, DEATH, OR CONSEQUENTIAL, EXEMPLARY, SPECIAL, INDIRECT, INCIDENTAL OR PUNITIVE DAMAGES, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH OUR SERVICE, OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING OUR SERVICE. IN ANY EVENT, THE TOTAL MAXIMUM AGGREGATE LIABILITY UNDER THESE TERMS FOR THE USE OF ANY OR ALL PARTS OF OUR SERVICE IN ANY MANNER WHATSOEVER SHALL BE LIMITED TO FIFTY DOLLARS ($50.00 USD).
No provision in these Terms shall apply to any consumer in New Jersey if the provision limits remedies for (a) negligence, (b) products liability claims, (c) the punitive damages laws, (d) the New Jersey Uniform Commercial Code, or (e) failure to reasonably protect against harm arising from certain criminal acts of third parties (e.g., computer hacking and identity theft). The provisions of these Terms concerning the exclusion or limitation of certain damages are not applicable in New Jersey with respect to statutory damages, punitive damages, loss of data, and loss of or damage to property. We reserve all rights, defenses, and permissible limitations under the laws of New Jersey and under the laws of your state of residence.
These Terms will be governed by and construed, interpreted, and enforced in accordance with the laws of the State of Kansas without reference to its conflicts or choice of law principles. Any arbitration or court proceeding will take place in Kansas, and you hereby consent to the exclusive jurisdiction and venue of the state or Federal courts in Kansas. You irrevocably submit and consent to the personal jurisdiction of such courts.
You and InsuranceBuddy agree that any and all disputes, claims or controversies arising out of or relating to your use of or access to InsuranceBuddy IP, including our Service or InsuranceBuddy Materials, these Terms or the breach, termination, enforcement, interpretation, or validity of these Terms, including the determination of the scope or applicability of these Terms to arbitration (each, a “Dispute”), except those that are resolved informally or brought in a small claims court, will be arbitrated by a neutral arbitrator who has the power to award the same individual damages and individual relief that a court can. ANY ARBITRATION UNDER THESE TERMS WILL ONLY BE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, REPRESENTATIVE ACTIONS, AND CONSOLIDATION WITH OTHER ARBITRATIONS ARE NOT PERMITTED. YOU WAIVE ANY RIGHT TO HAVE YOUR CASE DECIDED BY A JURY AND YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST INSURANCEBUDDY. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision will be severed, and the remaining arbitration terms will be enforced (but in no case will there be a class or representative arbitration).
To the extent feasible, the parties desire to resolve any Disputes through discussions and negotiations between each other. The parties agree to attempt to resolve any Disputes by negotiation with the other party (by phone, electronic correspondence, or written correspondence). To provide this opportunity to resolve any Dispute, before commencing any arbitration or suit, each party agrees to send to the other party a written Notice (“Notice”). Any Notice to InsuranceBuddy should be sent by mail to Digital Benefits Advisors, LLC, 251 Windward Passage, Suite H, Clearwater, Florida 33767. Any Notice sent to you will be sent to the address on file for your account. The Notice must: (a) include your name; (b) provide detailed information sufficient to evaluate the merits of the claiming party’s individualized claim and for the other party to determine if an amicable resolution is possible; and (c) set forth the specific relief sought, including whatever amount of money is demanded and the means by which the demanding party calculated the claimed damages. If we are not able to resolve any Dispute ourselves, you and InsuranceBuddy agree to resolve such Dispute through confidential binding arbitration as set forth below.
If you and InsuranceBuddy are unable to resolve a Dispute through informal negotiations or in small claims court (as set forth below), either you or InsuranceBuddy may elect to have the Dispute (except those Disputes expressly excluded below) finally and exclusively resolved by binding arbitration. Any election to arbitrate by one party shall be final and binding on the other. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association (“AAA”) and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes (“AAA Consumer Rules”) both of which are available at the AAA website www.adr.org. The determination of whether a Dispute is subject to arbitration shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16, including its procedural provisions, and determined by a court rather than an arbitrator. Except as set forth above, the Arbitrator shall be responsible for determining all threshold arbitrability issues, including issues relating to whether these Terms (or any aspect thereof) are enforceable, unconscionable or illusory and any defense to arbitration, including waiver, delay, laches, or estoppel. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Rules and, where appropriate, limited by the AAA Consumer Rules. The arbitration may be conducted in person, through the submission of documents, by phone or online. While an arbitrator may award declaratory or injunctive relief, the arbitrator may do so only with respect to the individual party seeking relief and only to the extent necessary to provide relief warranted by the individual party’s claim. The arbitrator’s decision and judgment thereon will not have a precedential or collateral estoppel effect. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by a party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except as otherwise provided in these Terms, you and InsuranceBuddy may litigate in court to compel arbitration, stay proceeding pending arbitration, or to confirm, modify, vacate or enter judgment on the award entered by the arbitrator.
Each of the parties shall maintain the confidential nature of the arbitration and shall not (without the prior written consent of the other party) disclose to any third party the fact, existence, content, award, or other result of the arbitration, except as may be necessary to enforce, enter, or challenge such award in a court of competent jurisdiction or as otherwise required by applicable law.
Subject to applicable jurisdictional requirements, either party may elect to pursue a Dispute in a local small-claims court rather than through arbitration so long as the matter remains in small claims court and proceeds only on an individual basis. If a party has already submitted an arbitration demand to the AAA, the other party may, in its sole discretion, inform the AAA that it chooses to have the Dispute heard in small claims court. At that time, the AAA will close the arbitration and the Dispute will be heard in the appropriate small claims court, with no fees due from the arbitration respondent.
You have the right to opt out of binding arbitration within thirty (30) days of the date you first accepted the terms of this Section 9 by emailing us at info@digitalbenefitsadvisor.com. In order to be effective, the opt-out notice must include your full name and address and clearly indicate your intent to opt out of binding arbitration. By opting out of binding arbitration, you are agreeing that only a court may be used to resolve any Dispute. Opting out will not affect any other aspect of the Terms, or the Service, and will have no effect on any other or future agreements you may reach to arbitrate with us.
You hereby agree that you understand the consequences of agreeing to binding arbitration under this Section, including giving up any constitutional rights to have the Dispute determined by a court of law or by a jury; that discovery of information in arbitration may be limited; and that the arbitration decision will be final and binding, except to the limited extent that judicial review might be available.
These Terms are effective upon your acceptance and will continue in full force until terminated by you or us. You may terminate these Terms at any time by immediately discontinuing all access to our Service. Termination or cancellation of these Terms will not affect any right or relief to which we may be entitled at law or in equity. We reserve the right to terminate these Terms at any time and for any reason without prior notice to you. Further, you agree that we will not be liable to you or any third-party for any termination or suspension of your access to our Service or any part thereof.
We use and rely upon electronic records and electronic signatures for the execution and delivery of these Terms and any other agreements, undertakings, notices, disclosures or other documents, communications or information of any type sent or received in accordance with these Terms and in performing our obligations and exercising our rights under these Terms. Neither you nor InsuranceBuddy will prevent or inhibit in any way the other party from printing, saving, or otherwise storing electronic records sent or otherwise made available to the other party. You agree not to contest the authorization for, or validity or enforceability of, electronic records and electronic signatures, or the admissibility of copies thereof, under any applicable law relating to whether certain agreements, files, or electronic records are to be in writing or signed by you to be bound thereby. You will bear your own costs and expenses in conducting business electronically, and will undertake all steps necessary, including software, hardware, and other equipment upgrades and purchases, in order to be able to conduct business electronically.
You agree that a breach of the provisions of these Terms would cause irreparable harm and significant injury to us which would be both difficult to ascertain and which would not be compensable by damages alone. As such, you agree that we have the right to enforce the provisions of these Terms by injunction (without necessity of posting bond), specific performance, or other equitable relief without prejudice to any other rights and remedies we may have for your breach of these Terms.
These Terms and any hyperlinked policies and procedures constitute the entire agreement between you and InsuranceBuddy with respect to the subject matter hereof and supersede all prior agreements, both oral and written, with respect to the subject matter hereof. We may revise and update these Terms from time to time, and will post the updated Terms to our Service. UNLESS OTHERWISE STATED IN THE AMENDED VERSION OF THESE TERMS, ANY CHANGES TO THESE TERMS WILL APPLY IMMEDIATELY UPON POSTING. Although we are not obligated to provide you with notice of any changes, any changes to these Terms will not apply retroactively to events that occurred prior to such changes. Your continued use of our Service will constitute your agreement to any new provisions within the revised Terms.
Our failure to enforce any provision of these Terms will not be deemed to be a waiver of our right to enforce them. If any term or provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining terms and provisions of these Terms will remain in full force and effect, and such invalid, illegal, or unenforceable term or provision will be deemed not to be part of these Terms.
You may not assign, transfer, or sell (voluntarily or by operation of law) your rights or obligations under these Terms, nor delegate your duties hereunder to any other person, without our prior written consent. Any purported assignment without our consent will be void and will constitute a breach of these Terms. We may assign these Terms or delegate or subcontract our obligations under these Terms at any time.
The provisions of these Terms that by their content are intended to survive the expiration or termination of these Terms, including, without limitation, provisions governing ownership and use of intellectual property, representations, disclaimers, warranties, liability, indemnification, governing law, jurisdiction, venue, remedies, rights after termination, and interpretation of these Terms, will survive the expiration or termination of these Terms for their full statutory period.
Contact us at info@digitalbenefitsadvisor.com.