Terms of Use

Our Goal

Our 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" or "Services"), 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 Policy

Please 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 Providers

We as the operator of this Website, are not a Service Provider or an insurance broker or an insurance company, are not a representative or an agent to any broker or insurance company, do not endorse any particular broker or insurance provider, and do not make any insurance decisions. Our Services are limited to helping connect you with Service Providers and we will submit the information you provide to a Service Provider. 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. This Website does not constitute an offer or solicitation for automobile or other insurance. Providing your information on this Website does not guarantee that you will be approved for automobile or other insurance. Not all insurance providers can or will insure your vehicle. The quotes, rates or savings advertised by/on this website are not necessarily available from all providers or advertisers. Your actual quotes, rates or savings will vary based on many different factors like: coverage limits, deductibles, driving history, education, occupation, type of vehicle, location, and more. We do not guarantee that quotes, rates, terms, fees, coverage or services offered by Service Providers are the best available. Results of using the Service may vary according to individual information provided. (Avg. monthly expenditure for auto insurance is $89 (based on the NAIC 2020/2021 Auto Insurance Database Report). Additionally, we do not guarantee that you will be matched with a Service Provider.

Use of the Website

You are under no obligation to use our Website or Service to initiate contact, nor apply for insurance or any product with any broker or insurance company. We receive compensation, in the form of referral fees, from the insurance carriers, aggregators, or other offers that we may direct you to. To 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 PRACTICES

YOUR 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 Communication

When 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, including marketing messages. 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, telephone calls, or text messages, even if you previously opted out of receiving marketing communications 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.

Payment

A 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 Content

We 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. The amount of compensation provided, along with other factors, may impact which policy or offer you are presented. The offer you receive may be coming from the company that bid the most for your information. This Website does not always provide you with an offer with the best rates or terms. Our Website does not include all companies or all available offers. We encourage you to research all available insurance policy options relative to your situation.

Your Responsibility for Your Financial Decisions

We 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 decisions. For questions regarding your insurance policy, please contact your broker or insurance company directly. Residents of some states may not be eligible for insurance or may be subject to large premiums.

ARBITRATION AGREEMENT

Using or accessing the Website and/or Services constitutes your acceptance of this Arbitration Agreement ("Arbitration Agreement"). Please read it carefully as it provides that you and Sureint waive any right to file a lawsuit in court or participate in a class action for matters within the scope of the Arbitration Agreement.

Scope of Arbitration Agreement

ALL DISPUTES, CONTROVERSIES, OR CLAIMS ("DISPUTES") ARISING OUT OF OR RELATED TO THE TERMS (INCLUDING ANY QUESTION REGARDING ITS EXISTENCE, VALIDITY OR TERMINATION), ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND SUREINT AND/OR ANY OF ITS CORPORATE AFFILIATES, YOUR PURCHASE(S) FROM SUREINT, YOUR COMMUNICATIONS WITH SUREINT OR ANY OF ITS BRANDS OR THIRD PARTIES WHO CONTACT YOU ABOUT THE SERVICES AVAILABLE ON SUREINT'S WEBSITE (WHETHER DIRECTLY OR THROUGH A THIRD PARTY), AND/OR YOUR VISIT OR USE OF THE WEBSITE OR SERVICES, WHETHER BASED IN CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY, SHALL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR. YOU AGREE THAT SUREINT AND YOU ARE EACH WAIVING THE RIGHT TO SUE IN COURT AND TO HAVE A TRIAL BY A JURY EXCEPT THAT (A) YOU MAY SEEK RELIEF IN SMALL CLAIMS COURT IF YOUR CLAIMS QUALIFY AND (B) YOU OR SUREINT MAY SEEK EQUITABLE RELIEF IN COURT FOR INFRINGEMENT OR OTHER MISUSE OF INTELLECTUAL PROPERTY RIGHTS (SUCH AS TRADEMARKS, TRADE DRESS, DOMAIN NAMES, TRADE SECRETS AND PATENTS). YOU AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS BUT MAY BE CONSOLIDATED WITH OTHER ARBITRATIONS PURSUANT TO THE JUDICIAL ARBITRATION MEDIATION SERVICES, INC. ("JAMS") RULES CITED BELOW. CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED, AND YOU AGREE TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION AND CLASS ARBITRATION. NOTWITHSTANDING ANY OF THE FOREGOING, NOTHING IN THESE TERMS OF USE PRECLUDES YOU FROM BRINGING ISSUES TO THE ATTENTION OF FEDERAL, STATE, OR LOCAL AGENCIES.

Governing Law

The Federal Arbitration Act, codified at 9 U.S.C. §§ 1–16, governs the interpretation and enforcement of this Arbitration Agreement. In all other respects, the laws of the State of New York shall control (without regard to conflicts of law principles) the interpretation and enforcement of this Arbitration Agreement and these Terms unless applicable law requires otherwise. Without limiting the foregoing, if you are a California consumer, the laws of the State of California shall control the interpretation and enforcement of this Arbitration Agreement and these Terms.

Pre-Arbitration and Arbitration Procedures and Rules

If you have a Dispute, you agree to first contact us by email at [email protected] to attempt to resolve the Dispute informally. If the Dispute cannot be resolved through such informal process or through negotiation within sixty (60) days, you and Sureint agree to resolve the Dispute through binding and final arbitration pursuant to this Arbitration Agreement instead of through court proceedings unless permitted by this Arbitration Agreement.

Unless modified by this Arbitration Agreement, the arbitration will be administered by JAMS pursuant to the JAMS Streamlined Arbitration Rules & Procedures located at https://www.jamsadr.com/rules-streamlined-arbitration for individual claims totaling less than $250,000, and Comprehensive Arbitration Rules and Procedures located at https://www.jamsadr.com/rules-comprehensive-arbitration/ for all other claims. The JAMS Mass Arbitration Procedures and Guidelines located at https://www.jamsadr.com/mass-arbitration-procedures shall apply to all arbitrations to which those procedures apply. If JAMS is not available to arbitrate, the parties will agree upon an alternative arbitral forum.

Arbitration Forum

The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate. Any in-person appearances will be held at a location which is reasonably convenient to both parties, with due consideration of their ability to travel and other pertinent circumstances, and in accordance with applicable laws. If the parties are unable to agree on a location, such determination should be made by the applicable rule-making authority or by the arbitrator.

Authority of the Arbitrator

The arbitrator shall have exclusive authority to: (a) determine the scope and enforceability of this Arbitration Agreement; (b) resolve any dispute related to the interpretation, applicability, enforceability or formation of this Arbitration Agreement including, but not limited to, any assertion that all or any part of this Arbitration Agreement is void or voidable; and (c) resolve all Disputes within the scope of this Arbitration Agreement. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the same authority to award relief on an individual basis that a judge in a court of law would have, including to grant temporary, interim, or permanent injunctive relief (including public injunctive relief), and relief providing for specific performance of these Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The award of the arbitrator is final and binding upon you and Sureint. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof.

Jury Trial Waiver

YOU AND SUREINT HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY UNLESS OTHERWISE PROVIDED IN THIS ARBITRATION AGREEMENT. THE RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, SUCH AS THE RIGHT TO APPEAL, MAY BE MORE LIMITED OR MAY NOT EXIST.

No Class Actions or Class Arbitrations Permitted

YOU AND SUREINT AGREE THAT ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. This means that neither you nor Sureint may bring a claim as a plaintiff or class member in a class action or class arbitration. Notwithstanding the foregoing and anything else in this Arbitration Agreement, individual arbitrations may be consolidated pursuant to applicable JAMS rules, and the JAMS Mass Arbitration Procedures and Guidelines located at https://www.jamsadr.com/mass-arbitration-procedures shall apply to all arbitrations to which those procedures apply. Nothing in this Arbitration Agreement, including this section, is intended to limit the relief available to you in small claims court. Nor does anything in this section limit your or Sureint's ability to resolve a Dispute by mutual agreement through a class-wide settlement of claims, whether through mediation or otherwise.

Severability and Survival

If any provision of this Arbitration Agreement is found to be invalid or unenforceable, then that specific provision shall be of no force and effect and shall be severed, but the remainder of this Arbitration Agreement and the Terms shall continue in full force and effect. The Arbitration Agreement survives the termination of your relationship with Sureint.

30 Day Right to Opt Out

You have the right to opt out and not be bound by the arbitration and class action waiver provisions set forth in this Arbitration Agreement by sending written notice of your decision to opt out by emailing us at [email protected] with the subject line "Arbitration Opt-Out." The notice must be sent within thirty (30) days of accepting the Terms; otherwise, you shall be bound to arbitrate Disputes in accordance with the terms in this Arbitration Agreement. If you timely opt out of these arbitration provisions, Sureint also will not be bound by them. If you opt out of this Arbitration Agreement, all other provisions of the Terms shall apply.

Limitation of Liabilities; Disclaimer of Warranties

We 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 Property

You 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. All other trademarks and copyrights are the property of their respective owners.

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 Copyrights

You may request us by mail (at: [email protected]) 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:

• a description of the copyrighted work or other intellectual property that your claim has been infringed;
• your address, telephone number, and email address;
• an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
• 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);
• 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
• 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.

Electronic Communications

In 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 SUREINT. 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.

Miscellaneous

We 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 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.