Terms of Use
All applications, transactions, credit decisions and your account shall be governed by all applicable Federal laws and all laws of the jurisdiction in which the provider is located, regardless of which state you may reside, and you consent to the exclusive exercise of regulatory and adjudicatory authority by the jurisdiction in which the provider is located over all matters related to this Note and your account, forsaking any other jurisdiction which either party may claim by virtue of its residency. This service may or may not be available in your particular state. The states serviced may change from time to time without notice. Regardless of where you may be viewing or accessing this site, you as the consumer are responsible for complying with any local statutory obligations that may exist in your state or area with respect to this transaction. The Federal laws and laws of the jurisdiction in which the provider is located governing this consumer insurance agreement may differ from the laws of the state where you reside. If you do not want to enter into a consumer insurance agreement with us under our terms, then you should apply for insurance at a provider located in the state where you live. All aspects and transactions on this site will be deemed to have taken place at our location, and will be deemed to be regulated by all applicable federal laws and the laws and regulations of the jurisdiction in which the Provider is located.
Terms and Conditions
In your insurance provider Agreement the words "you" or "your" mean the customer identified on front of agreement. The words "Us," "We," and "Our" mean the insurance provider.
1. Acceptance
As set forth herein, you accept the terms and conditions as outlined in this Agreement by authorizing us to make you a loan under federal laws and the laws of the jurisdiction in which the Provider is located. This Agreement is confirmation of our agreement including the terms which were available through our designated servicer, and on our website located at www.myonlineinsurancequotes.com prior to the completion of the transaction.
2. Jurisdiction
Both parties agree this Agreement shall be deemed executed at the Provider's location without regard to its conflicts of law principles, regardless of the order in which the parties agree, and shall be governed in accordance with federal laws and laws of the jurisdiction in which the Provider is located, forsaking any other jurisdiction which either party may claim by virtue of its residency. Your acceptance of our service after the period of expiration of the options in paragraph 5 confirms your prior acceptance of this Agreement and confirms the exclusive adjudicatory authority of the jurisdiction in which the Provider is located. Further, if any provision(s) of the Arbitration Clause is/are found invalid, you agree that all actions or proceedings arising directly or indirectly, from this Agreement shall be litigated in such courts and consent that valid service of process may be made by certified or registered mail, to you at your address set forth herein or as may otherwise be designated hereafter by you in writing, and service so made shall be complete two days after delivery as aforesaid. All applicable Federal laws and laws of the jurisdiction in which the Provider is located govern this entire transaction.
3. Venue
Acceptance of this Agreement by us is deemed to have taken place at Provider's location, and in accordance with federal laws and laws of the jurisdiction in which the Provider is located. Both parties agree to have any conflict about this Agreement between the parties resolved in the Provider's venue as outlined herein, forsaking any other venue which either party may claim by virtue of its residency.
4. Class Action
AGREEMENT NOT TO BRING, JOIN OR PARTICIPATE IN CLASS ACTIONS: To the extent permitted by law, by signing below you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us or our agents, servicers, directors, officers and employees. You agree to the entry of injunctive relief to stop such a lawsuit or remove you as a participant in the suit. You agree to pay the costs we incur, including our court costs and attorneys' fees, in seeking such relief. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join or participate in class action suits is an independent agreement and shall survive the closing, funding, payment and/or default of the insurance for which you are applying.
5. Documentation
You agree that electronic mail, electronic forms, records, photocopies, and/or facsimile copies of the documents you submit are valid and enforceable as the original. Further, you agree that by verbal consent in person or by phone, typing your name as your electronic signature, or any other manner or method of acceptance as outlined herein constitutes an acceptance of all terms and conditions of the Agreement for which will be deemed valid and binding on all parties to this Agreement.
6. Assignment
We hereby reserve all rights and power to assign any of our interests in the Agreement to any successor, assignor or purchaser for value without notice or your consent.
7. Definitions
All terms used herein are to be defined in accordance with codes, statutes and federal laws of the United States.
8. Use of Information and Materials
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of our web sites and systems including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by us the Provider and/or its affiliates and designated servicers.
9. Links
This site may contain links to web sites controlled or offered by third parties (affiliates and non-affiliates of ours).We hereby disclaim liability for any information, materials, products or services posted or offered at any of the third party sites linked to this web site. By creating a link to a third party web site, we do not endorse or recommend any products or services offered or information contained at that web site, nor are we liable for any failure of products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of ours and the third party website may provide less security than our sites.
10. No Warranty
The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". We, the provider, do not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.
11. Limitation of Liability
In no event will we be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
12. USA Patriot Act
Pursuant to requirements of Federal law, including the USA PATRIOT Act, we may obtain information and will take necessary action to verify your identity. By submitting the application form, you understand and agree to all terms and conditions of this Master Agreement and by submitting the online information application by Internet, you are applying for a cash advance and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of your electronic signature, you are not presently involved in, nor contemplating bankruptcy now or in the future. You authorize us to verify the information in this application and hereby give us the Provider consent to obtain information on you from a consumer reporting agency or other various means available. You understand that the Provider reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, You understand verification of the information you have provided is necessary, including, but not limited to, proof of residence, employment and bank account verification. You accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to you.
13. Copyright and Proprietary Rights Information
The Site may contain technical inaccuracies or typographical errors or omissions. SecureInsurancQuotes.com reserves the right to make changes, corrections and/or improvements to the Site, and to the products and programs described in such information, at any time without notice.
This Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of SecureInsurancQuotes.com. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of SecureInsurancQuotes.com and/or other parties is granted to or conferred upon you.
14. User Information
While using the Site, you may be asked to provide, or choose to provide on your own, information (hereinafter “User Information”). The User Information you submit to us in order to receive insurance quotations and not in any other manner. Our information collection and use policies with respect to the privacy of personal information, with the exception of testimonials, which may be used to advertise our Site, are set forth in our Privacy Policy section, which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting your User Information. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Information. We will not display, disclose, sell, refer, share or otherwise give access to your personal private User Information, accept as for the purpose of providing insurance quotation as set forth in the Term and Conditions of this Agreement. We reserve the right to refuse to post or to remove any User Information, in whole or in part, that, in our sole view, are unlawful, unacceptable, undesirable, inappropriate or is in violation of these Terms and Conditions.
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