Terms of Use

By using this Website you agree to be bound by the Terms of Use. We reserve the right to review and revise the Terms of Use from time to time without prior notice. Continued use of the site after the revisions signifies your agreement to be bound by such changes. If you do not wish to agree to these Terms of Use, you must immediately terminate your use of this Website. The use of this Website shall be governed by laws of the United States. Those who do access content, materials and services from outside the United States shall be deemed to act on their own initiative, and we are not responsible for their compliance with local laws or other applicable laws.

Privacy Policy

The information collected, stored and used on this Website is subject to the Privacy Policy posted on the date you visit this Website. That privacy policy contains terms and conditions that govern our collection and use of the information we collect from you, or you provide to us, and our respective rights relative to that information. Please review the Privacy Policy. Your use of the Website constitutes your agreement to the Privacy Policy.

Website Links & Third-Party Websites

The Website contains links to Websites which are owned and operated by third parties independent of this Website. We do not review, approve or control such third party Websites. We make no representation or warranty as to the accuracy, value, integrity, completeness or authenticity of the information or opinions contained in any such linked Website. We do not endorse third party linked Websites. These links may lead to third party Websites or additional links that contain offensive and objectionable content or which may contain dangerous computer viruses. You assume and we disclaim all responsibility for any of the content on these Websites or for any damage sustained by users of these Websites.

Limitation of Damages

IN NO EVENT WILL WE, OUR OFFICERS, EMPLOYEES, CONTRACTORS, SUBCONTRACTORS, SUPPLIERS, AGENTS, AFFILIATES, SUBSIDIARIES, SUCCESSORS OR ASSIGNS BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR OTHER INDIRECT DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR ANY SERVICES, CONTENT OR OTHER MATERIALS PROVIDED OR AVAILABLE ON THE WEBSITE OR USE OF ANY OTHER LINKS OR LINKED WEBSITE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF WHETHER SUCH DAMAGES AROSE IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHER LEGAL BASIS. THE TERM "DAMAGES" INCLUDES, WITHOUT LIMITATION, ATTORNEY FEES, ANY LOST PROFITS, BUSINESS INTERRUPTION AND LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM. YOU ACKNOWLEDGE THAT THE ECONOMIC TERMS OF OUR AGREEMENT REFLECT THE FOREGOING ALLOCATION OF RISK AND SUCH ALLOCATION OF RISK IS A SIGNIFICANT INDUCEMENT FOR US TO PROVIDE THE SERVICES, WEBSITE AND OTHER CONTENT AND MATERIALS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

No Representations or Warranties

The services provided on this Website including the links, content, information, documents, graphics and images published by third parties and may have inaccuracies, typographical or other errors. We make no commitment, however, to update what is contained in this Website. Furthermore, we reserve the right to temporarily, or permanently, modify, alter, discontinue or delete the same without prior notice.

TO THE EXTENT PERMITTED BY LAW, THE LINKS, SERVICES AND INFORMATION ON THIS WEBSITE ARE PROVIDED "AS IS," AND WITHOUT WARRANTY OF ANY TYPE AND ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, ARE HEREBY DISCLAIMED, AND YOU HEREBY WAIVE ALL SUCH WARRANTIES.

Users of this Website should not rely upon opinions, information or suggestions provided by or through this Website when making business, financial, personal or other decisions. We do not endorse the opinions of third parties expressed on this Website or on linked Websites.

Indemnification

YOU AGREE TO HOLD HARMLESS, DEFEND AND INDEMNIFY US, OUR OFFICERS, DIRECTORS, EMPLOYEES, SUBSIDIARIES, CONTRACTORS, SUBCONTRACTORS, SUPPLIERS, AGENTS, PARTNERS AND AFFILIATES, SUCCESSORS AND ASSIGNS FROM ALL LIABILITIES, CLAIMS, DEMANDS AND EXPENSES, INCLUDING REASONABLE ATTORNEYS' FEES, THAT ARE DUE TO, OR THAT ARISE FROM YOUR USE OR MISUSE OF THIS WEBSITE, ANY SERVICES THEREIN, OR FOR INFRINGEMENT BY YOU OR OTHERS OF INTELLECTUAL PROPERTY RIGHTS OR OTHER RIGHT OF ANY THIRD PARTY. WE MAY ASSUME EXCLUSIVE CONTROL OF ANY DEFENSE OR ANY MATTER SUBJECT TO INDEMNIFICATION BY YOU, AND YOU AGREE TO COOPERATE WITH US IN SUCH EVENT.

Governing Law

THESE TERMS OF USE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF CALIFORNIA, USA, AS THEY APPLY TO AGREEMENTS MADE AND SOLELY PERFORMED THEREIN.

Class Action Waiver

You waive the right to bring any controversy, claim or dispute arising out of or relating in any way to your use of the Website as a class, consolidated, representative, collective, or private attorney general action, or to participate in a class, consolidated, representative, collective, or private attorney general action regarding any such claim brought by anyone else.

Intellectual Property Rights

All contents on our Website ("Site Material") are owned or licensed by us. All other rights, title and interest including all other copyrights, trademarks and other intellectual property rights posted on or through our Website and all names, terms, logos, slogans and images are proprietary marks of their respective owners. We authorize you to view and download a single copy of the Site Material for your non-commercial personal use. Unauthorized use of the Site Material violates copyright, trademark, and other laws. You agree to retain all copyright and other proprietary notices contained in the original Site Material on any copy of such material. Except as expressly provided herein, you may not sell or modify our Site Material or reproduce, display, distribute, or otherwise use the Site Material in any way for any public or commercial purpose. Use of the Site Material on any other Website or in a networked environment is prohibited.

If you believe that any Site Material on this Website infringes on any copyright which you own or control, or that any link on this Website directs you to another Website that contains material that infringes on any copyright which you own or control, you may file a notification of such infringement with our designated agent to have the material removed or otherwise blocked from access. The notification shall include the following:

A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright interest;

A description of the copyrighted work that you claim has been infringed or, if multiple copyrighted works at a single Website are covered by a single notification, a representative list of such works at that Website;

Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material;

Your address, telephone number and, if available, your email address;

A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

A statement by you, made under penalty of perjury, that the information in your notification is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Send the written communication via email to:
support@insuranceplanfind.com

Agreement to Arbitrate Claims

Any controversy, claim or dispute arising out of or relating in any way to your use of the Website shall be resolved by final and binding arbitration. The arbitration shall take place in CALIFORNIA in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Unless either party or the arbitrator requests a hearing, the parties will submit their arguments and evidence to the arbitrator in writing. The arbitrator will make an award based only on the documents. If any party makes a written request for a hearing within ten days after the American Arbitration Association acknowledges receipt of a claimant's demand for arbitration (or the arbitrator requests a hearing), the parties shall participate in a telephone hearing. In no event shall the parties be required to travel to participate in the arbitration. This arbitration agreement is subject to the Federal Arbitration Act and is enforceable pursuant to its terms on a self-executing basis. Either party may seek enforcement of this provision in any court of competent jurisdiction. The arbitrator shall determine any and all challenges to the arbitrability of a claim. The arbitral award shall be judicially enforceable. Any court of competent jurisdiction may, and upon request shall, enter judgment on the arbitral award. Either party may seek confirmation (judgment on the award) and/or enforcement in any court of competent jurisdiction.

Notwithstanding any provision in the Commercial Arbitration Rules and the Consumer-Related Disputes Supplementary Procedures to the contrary, the arbitrator shall not have the authority or any jurisdiction to hear the arbitration as a class, consolidated, representative, or private attorney general action or to consolidate, join, or otherwise combine the claims of different persons into one proceeding as such rights have been waived by the parties.

If a proposed class, consolidated, representative, collective, or private attorney general action arbitration is initiated notwithstanding the above prohibition, and it is finally determined by the arbitrator (or a court of competent jurisdiction) that the waiver specified herein is not enforceable, then the arbitration proceedings shall be bifurcated as follows, and notwithstanding any provision in the Commercial Arbitration Rules and the Consumer-Related Disputes Supplementary Procedures to the contrary: 1. The issue of arbitrability shall be determined by the arbitrator pursuant to the applicable rules and substantive law. 2. Assuming the arbitrator concludes that the arbitration may proceed, said arbitration shall be stayed, and the issue of whether to certify any alleged or putative class for a class action (or other representative) proceeding shall be presented to and decided by a court of competent jurisdiction. The arbitrator shall not have authority or jurisdiction to decide class certification (or any similar representative action) issues. The decision to certify or not certify a class action (or to otherwise permit the action to proceed on a representative basis) shall be appealable in the judicial proceedings consistent with the rules and law governing the appeals of interlocutory decisions or class certification (or similar) rulings specifically, if appropriate. 3. Once any issues regarding class certification (and/or similar representative requirements) have been finally decided by the court, the arbitrator will have authority to decide the substantive claims on an individual or a class (or other representative) basis, as may be determined and directed by the court.

The arbitrator shall not have the power to commit errors of law or legal reasoning, make clearly erroneous factual findings, or abuse his or her discretion, and the award may be vacated or corrected on appeal to a court of competent jurisdiction for any such error.

General Terms

These Terms of Use incorporate by reference any notices contained on the Website and constitute the entire agreement with respect to your access to and use of this Website. We may modify these Terms of Use at any time by posting revised Terms of Use on our Website and your continuing use of such Website and the services constitutes your agreement to be bound by such modified Terms of Use. Any provision of these Terms of Use which is determined by a court of competent jurisdiction to be unenforceable in any jurisdiction, shall be severable from these Terms of Use in that jurisdiction without in any way invalidating the remaining provisions of these Terms of Use. The unenforceability of any provision in a given jurisdiction shall not make that provision unenforceable in any other jurisdiction. You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of these terms and conditions or your use of the Website. Our performance of these terms and conditions is subject to existing laws and legal process, and nothing contained herein is in derogation of our right to comply with governmental, court and law enforcement requests, or requirements relating to your use of the Website, or information provided to or gathered by us with respect to such use.

All services and products ordered from this Website belong to third parties and not the owner of this Website. The owner of this Website has a material financial connection to the provider of the goods and services referred to on the Website. The owner receives payment for each qualified sale or payment for each potential customer referral. The owner is advertising on behalf of a third party advertiser with whom the provider of the products or services also has a material financial connection, in that both advertisers receive payment for each qualified sale or payment for each potential customer referral. Information regarding the products and services on this Website are provided by a third party owning or advertising such product and service on the Website and therefore the correctness of such information is unknown to the site owner who does not undertake due diligence to confirm such third party representations regarding third party advertising claims.