Terms & Conditions
Effective Date: Jan, 16 2024
This arbitration agreement includes claims related to our clients, vendors, and Marketing Partners, which are third party beneficiaries of this arbitration agreement.
Please read these Terms and Conditions (“Terms”) carefully before using the services provided by Find Online Insurance (“Company,” “we,” or “us”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not use our services.
- Services Offered
Find Online Insurance offers an online platform for insurance-related services, including insurance quotes, policy applications, policy management, and claims assistance. Our services are subject to the terms and conditions set forth in these Terms and any additional agreements or policies referenced herein.
- Eligibility
To use our services, you must be at least 18 years old and have the legal capacity to enter into contracts. By using our services, you represent and warrant that you meet these eligibility requirements.
- User Responsibilities
When using our services, you agree to:
- Provide accurate, current, and complete information during the registration process and when using our services.
- Maintain the confidentiality of any account credentials or passwords provided to you and promptly notify us of any unauthorized use or security breaches.
- Use our services solely for lawful purposes and in compliance with all applicable laws, regulations, and these Terms.
- Refrain from engaging in any activity that may interfere with or disrupt the functionality of our services or compromise the security or integrity of our systems.
- Insurance Quotes and Applications
Our website may provide insurance quotes based on the information provided by you. These quotes are estimates and are subject to verification and underwriting by the insurance carriers. We do not guarantee the availability or acceptance of any specific insurance coverage based on the quotes provided.
When submitting an insurance application through our platform, you acknowledge that the information provided is accurate and complete to the best of your knowledge. You understand that any misrepresentation or omission may result in the denial of coverage or policy cancellation.
- Policy Terms and Conditions
Insurance coverage is subject to the terms and conditions set forth in the policy documents provided by the insurance carrier. It is your responsibility to review and understand the terms, limitations, and exclusions of your insurance policy. We encourage you to contact the insurance carrier directly for any specific policy-related inquiries.
- Claims Assistance
We strive to provide assistance and guidance throughout the claims process. However, we are not responsible for the outcome of any insurance claims or the actions of the insurance carrier. Any disputes or issues related to claims should be addressed directly with the insurance carrier.
- Intellectual Property
All content, trademarks, logos, and intellectual property displayed on our website or within our services are the property of Find Online Insurance or its licensors. You may not use, reproduce, modify, or distribute any of these materials without our prior written consent.
- Limitation of Liability
To the maximum extent permitted by applicable law, Find Online Insurance and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services or these Terms.
- Indemnification
You agree to indemnify and hold Find Online Insurance and its affiliates, officers, directors, employees, and agents harmless from any claims, damages, liabilities, or expenses arising out of or in connection with your use of our services, violation of these Terms, or infringement of any third-party rights.
- Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of [insert jurisdiction]. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts.
- Modifications to Terms
We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting on our website.
Any dispute or claim relating in any way to your use of this website, including any related calls texts or other communications, will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. This includes claims against our clients, vendors, and Marketing Partners, which are third party beneficiaries of this arbitration agreement. The Federal Arbitration Act and federal arbitration law apply to this agreement.
There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of these terms as a court would.
The arbitration may be conducted by the American Arbitration Association (AAA) under its rules, including the AAA’s Supplementary Procedures for Consumer-Related Disputes. The AAA’s rules are available at www.adr.org or by calling 1-800-778-7879. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location.
We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.