Carinsuranceconcepts.com Terms of Use
Consent to Terms of Use as Binding Agreement: Please read these website terms of use (“Terms”) carefully before using this website (the “Website”). Carinsuranceconcepts.com (“Car Insurance Concepts”) operates this Website to provide online access to information about Car Insurance Concepts and the products, services, information, and opportunities it provides (“Services”). These Terms govern Your access to the Website, and the Website is available for Your use only upon the condition that You agree to the Terms as set forth below. If You do not agree to all of the Terms, please do not access, browse, or use the Website. By accessing, browsing, or using the Website, You and any entity You are authorized to represent (“You” or “Your”) signify Your agreement to be bound by the Terms. PLEASE PRINT AND RETAIN A COPY OF THESE TERMS FOR YOUR RECORDS.
Administrative Services Only (Not Insurance Services): Any Insurance Product-matching request You submit via this Website is NOT an application for credit, a Insurance Product application, or any such request. Rather, it is a request to be matched with Insurance Companies to receive conditional Insurance Product offers from said Insurance Companies. To be clear, Car Insurance Concepts is a computerized short-term Insurance Product matching service only and does not make Insurance Products of any sort. Car Insurance Concepts contracts with certain Insurance Product providers who assess Insurance Product applications according to their own criteria. Any data or information You voluntarily choose to provide will be assessed by the Insurance Companies without independent assessment or input from Car Insurance Concepts. Therefore the data and other information You may choose to provide is not and should not be considered to be an application for a Insurance Product or a request to be pre-approved or pre-qualified for a Insurance Product, or any similar concept, as originating from Car Insurance Concepts. In this regard Car Insurance Concepts provides only administrative services that facilitate a match between eligible prospective borrowers and a subset of the existing available Insurance Companies. Since Car Insurance Concepts does not establish the terms upon which Insurance Companies accept or reject Insurance Product applications, Car Insurance Concepts cannot guarantee acceptance into any particular Insurance Product program. Any data or information You choose to provide will be forwarded to the Insurance Companies who will then contact You, at their discretion, should they need any follow-up before they can accept or reject a Insurance Product application. Car Insurance Concepts is not a Insurance Company and does not take Insurance Product applications, make Insurance Product or credit decisions in connection with Insurance Products, nor does Car Insurance Concepts issue Insurance Product commitments or interest rate lock-in agreements. Car Insurance Concepts is not an agent of You, of any participating Insurance Company, or of any third-party provider of any type. BY YOUR CONTINUED ACCESS, BROWSING AND/OR USE OF THIS WEBSITE, YOU ACKNOWLEDGE THAT Car Insurance Concepts’S SERVICES ARE ONLY ADMINISTRATIVE IN NATURE AND DO NOT CONSTITUTE Insurance SERVICES OF ANY VARIETY DESPITE WHAT THE LAW MAY OR MAY NOT SAY IN YOUR JURISDICTION.
Disclosures: Any request to be matched with Insurance Companies that You submit through the Website shall be forwarded to select Insurance Companies, and these Insurance Companies shall make certain disclosures to You subject to applicable law. Car Insurance Concepts does not warrant, guarantee, certify, endorse, or otherwise claim affiliation with or verify the contents of any disclosures made by said Insurance Companies. Should You have questions regarding any disclosures made by the Insurance Companies, You are encouraged to direct such questions to the Insurance Companies themselves. If the Insurance Companies cannot address Your concerns to Your satisfaction, You are then encouraged to contact an attorney to discuss your concerns to Your satisfaction prior to engaging in any Insurance Product transaction. BY YOUR CONTINUED ACCESS, BROWSING AND/OR USE OF THIS WEBSITE, YOU ACKNOWLEDGE THAT Car Insurance Concepts’S OBLIGATIONS TO YOU WITH RESPECT TO MAKING DISCLOSURES UNDER ANY APPLICABLE Insurance LAW, SHOULD SUCH OBLIGATIONS EXIST, HAVE BEEN SATSIFIED.
Fees: Car Insurance Concepts does not charge You a fee for any of its services but rather receives its compensation from the Insurance Companies. Car Insurance Concepts’s compensation may vary depending upon the specific Insurance Product that results from Your having provided information to the Insurance Company through the Website. Rates of compensation from said Insurance Companies may also vary on other factors and are subject to change from time to time. Car Insurance Concepts therefore is not in the routine habit of disclosing the details of its compensation mechanisms to visitors of the Car Insurance Concepts Website. Should You have any questions regarding the fee paid to Car Insurance Concepts by any Insurance Company who offers You a Insurance Product, You are encouraged to direct any questions to that Insurance Company.
Non-Endorsement of Insurance Companies: Car Insurance Concepts is not a Insurance Company and does not make Insurance Products or credit decisions in connection with Insurance Products. Car Insurance Concepts does not endorse or recommend the products or services of any particular Insurance Company, even if that Insurance Company is among the Insurance Companies to which your information is submitted, should you choose to request to be matched to Insurance Companies by accessing the appropriate portions of this Website. You should rely upon your own judgment and, if necessary, advice of counsel should you decide to accept a Insurance Product offer from one or more of the Insurance Companies to which Car Insurance Concepts matches You. You understand that Insurance Companies may keep your Insurance Product request information and any other information provided by Car Insurance Concepts or received by them in the processing of your Insurance Product-matching request submitted through this Website, whether or not You are qualified for a Insurance Product with them or if you make a Insurance Product with them. You agree to notify any particular Insurance Company directly if you no longer wish to receive communications from them.
Informational Purposes Only: The Website and other materials provided or published by Car Insurance Concepts may from time to time contain information related to various financial, credit, Insurance, consumer, political, economic, and social issues or conditions that may affect consumers generally and consumers of -- Insurance Product services in particular. These materials, as with all content appearing on the Website, are meant for informational purposes only. YOU AGREE THAT IN NO FASHION WHATSOEVER DO YOU CONSIDER ANY information within the Services or any other content available on the Website TO BE an acceptable substitute for PROFESSIONAL INVESTMENT advice OR PROFESSIONAL FINANCIAL PLANNING SERVICES. You agree not to rely solely upon the Services or any other content available on the Website for investment advice or financial planning services. If You have or suspect that You have a need for investment advice or financial planning services, You should consult a trained investment advisor or professional financial planner to determine what courses of action, if any, may be appropriate for You.
User Eligibility: The Website is available only to entities and persons over the legal age of majority for the purpose of forming binding contracts as defined by applicable law. If You are not of the legal age of majority for the purpose of forming binding contracts, You are not permitted to use the Website. Under no circumstances is the Website available to persons under thirteen (13) years of age. If You are not at least thirteen (13) years of age, You are not permitted to use the website.
Limited to Consumers in the U.S.: Various products or services listed on the Website may not be available in all countries, may be known by different names, or be subject to different regulations from country to country. As of the last update to these Terms (September 15, 2010), the services listed on the Website were available exclusively within the United States and Canada. Car Insurance Concepts and the Insurance Companies with whom Car Insurance Concepts works expressly reserve the right to discontinue, suspend, or terminate the offering of any Insurance Product product in any specific state through the Website at any given time, without prior notice.
Restrictions on Use: In addition to the other restrictions set forth in these Terms, You agree that:
a. You will not use or access any service, information, application, or software available through the Website in a manner not explicitly permitted by Car Insurance Concepts;
b. Certain areas of the Website may be restricted only to customers, suppliers, vendors, agents, investors, or other business partners of Car Insurance Concepts;
c. You may not use or access the Website or the Services in any way that, in Car Insurance Concepts’s sole judgment, adversely affects the performance or function of the Website or the Services or otherwise interferes with ability of authorized parties to access the Website and the Services; and
d. You may not frame or utilize any framing techniques or technologies to enclose any portion or aspect of the Website or the Services on another Internet website or other computer network, without the express prior written permission of Car Insurance Concepts.
Limitation of Liability: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, SHALL Car Insurance Concepts OR ITS PARENTS, SUSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM OR IN CONNECTION WITH THE USE OF OR THE INABILITY TO USE THE WEBSITE OR THE SERVICES OR ANY CONTENT CONTAINED ON THE WEBSITE OR WITHIN THE SERVICES, OR, EXCEPT AS OTHERWISE PROVIDED UNDER APPLICABLE LAWS AND REGULATIONS REGARDING THE SECURITY OF PERSONAL DATA, RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR OTHER INFORMTION THAT IS SENT OR RECEIVED OR NOT SENT OR RECEIVED, INCLUDING BUT NOT LIMITED TO, DAMAGE FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF Car Insurance Concepts HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. THE PARTIES ACKNOWLEDGE THAT THIS IS A REASONABLE ALLOCATION OF RISK, EVEN IF Car Insurance Concepts HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTIAN WARRANTIES OR LIMITIATIONS OF SPECIFIC LIABILITIES. THE ABOVE LIMITIATIONS THEREFORE MAY NOT APPLY TO YOU. Car Insurance Concepts’S LIABILITY IN SUCH CASE WOULD BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Waiver of Warranty: Car Insurance Concepts MAKES NO REPRESENTATIONS ABOUT THE RESULTS TO BE OBTAINED FROM USING THE WEBSITE OR THE SERVICES. USE OF THE WEBSITE AND THE SERVICES IS AT YOUR OWN RISK. THE WEBSITE AND THE SERVICES ARE PROVIDED ON AN “AS-IS” BASIS, AND Car Insurance Concepts, ITS LICENSORS (IF ANY), AND ITS SUPPLIERS AND VENDORS, TO THE FULLEST EXTENT PERMITTED BY LAW DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE. Car Insurance Concepts AND ITS AFFILIATES, LICENSORS (IF ANY), AND SUPPLIERS AND VENDORS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, SECURITY, OR TIMELINESS OF THE SERVICES OR OTHER CONTENT AVAILABLE ON THE WEBSITE. NO INFORMATION OBTAINED BY YOU FROM THE WEBSITE SHALL CREATE ANY WARANTY NOT EXPRESSLY STATED BY Car Insurance Concepts IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS ON IMPLIED WARRANTIES. THE LIMITATIONS AND EXCLUSIONS OF THIS SECTION THEREFORE MAY NOT APPLY TO YOU. IF YOU ARE ACTING IN THE CAPACITY OF A CONSUMER, AS DEFINED UNDER APPLICABLE LAW, YOUR STATUTORY RIGHTS THAT CANNOT BE WAIVED, IF ANY, ARE NOT AFFECTED BY THESE PROVISIONS. YOU AGREE AND ACKNOWLEDGE THAT THE LIMITAITONS AND EXCLUSIONS OF LIABILITY AND WARRANTY PROVIDED IN THESE TERMS OF USE ARE FAIR AND REASONABLE.
Indemnification: You understand and agree that You are solely and personally responsible for Your behavior on the Website. You agree to indemnify, to defend, and to hold harmless Car Insurance Concepts, its affiliated companies, joint venturers, business partners, licensors, investors, employees, agents, and any third-party information providers to the Website or the Services from and against all claims, losses, expenses, damages, and costs (including, but not limited to, direct, incidental, consequential, exemplary, and indirect damages), and reasonable attorney’s fees, resulting from or arising out of Your use, misuse, or inability to use the Website or the Services or by any violation of these Terms by You.
Compliance with Law: You agree to use the Website in strict compliance with all applicable laws, rulings, and regulations and in a fashion that does not, in Car Insurance Concepts’s sole judgment, negatively reflect upon Car Insurance Concepts’s goodwill or reputation and shall take no actions that would cause Car Insurance Concepts to be in violation of any laws, rulings, or regulations that apply to Car Insurance Concepts.
Restriction on Sale and Export: Car Insurance Concepts and the Website are based in the United States, which, along with certain other jurisdictions, control or otherwise restrict the export of certain products and information. You agree to comply with all such restrictions and not to export or re-export the Services or other content available from the Website to countries or persons prohibited under the laws of the United States or other export control laws or regulations. If You access or download the Services or any other content from the Website, You represent that You are not in a country where such export is prohibited or are not a person or entity to which such export is prohibited. You are solely responsible for compliance with the laws of Your local jurisdiction and any other applicable laws regarding import, export, or re-export of the Services or other content from the Website.
IP Ownership: Any and all intellectual-property rights (“IP”) associated with the Website or with the Services are solely Car Insurance Concepts’s properties (with the exception of the third-party trademarks and copyrights listed below). The Services and other aspects of the Website are protected by copyright, trademark, trade dress, unfair competition, and other applicable laws in both the United States and in other countries and may not be copied or imitated in whole or in part. All custom graphics, icons, and other items that appear on the Website are trademarks, service marks, or trade-dress elements (“Marks”) of Car Insurance Concepts, its affiliates, or other entities that have granted Car Insurance Concepts the right and license to use such Marks and may not be used or interfered with in any manner without the express prior written consent of Car Insurance Concepts or their respective owners. Except as otherwise expressly authorized by these Terms, You may not copy, reproduce, modify, lease, Insurance Product, sell, create derivative works from, upload, transmit, or distribute the IP from the Website in any way without Car Insurance Concepts’s or the appropriate third party’s express prior written permission. Except as expressly provided herein, Car Insurance Concepts does not grant You any express or implied rights to Car Insurance Concepts’s or any third party’s IP.
Limited Website License: Car Insurance Concepts grants You a limited, personal, nontransferable, nonsublicensable, revocable, license to:
a. Access and use only the Website and the Services and only in the manner presented by Car Insurance Concepts; and
b. Access and use only the Car Insurance Concepts computer and network services offered within the Website (“System”) and only in the manner expressly permitted by Car Insurance Concepts.
Except for this limited license, Car Insurance Concepts does not convey any interest in or to the Website, Services, or System or any other Car Insurance Concepts property or IP to You by permitting You to access the Website. Except to the extent required by applicable law or as expressly provided herein, none of the Services or other content on the Website may be reverse engineered, modified, reproduced, republished, translated into any language (whether human or computer), re-transmitted in any form, or, by any means, resold or redistributed, without Car Insurance Concepts’s express prior written permission. You may not make, sell, offer for sale, modify, reproduce, display, publicly perform, import, distribute, retransmit, or otherwise use the Services in any way, unless given Car Insurance Concepts’s express prior written consent.
Copyrights: The Website and much of its contents are protected by the copyright laws of the United States and several other foreign countries and belong exclusively to Car Insurance Concepts or its partners, affiliates, contributors, or third parties. Such copyrights include the Website as a whole along with any and all animated videos appearing on the Website, the Website text, and the website designs and layouts individually and as used apart from the Website as whole. The copyrights within the Services and other content available on the Website are owned by Car Insurance Concepts and other copyright owners who have authorized their use on the Website. You may download and reprint content from the Website for non-commercial, non-public, personal use only. If You are browsing the Website in Your capacity as an employee, agent, independent contractor, or other representative of any business or organization, You may download and reprint content from the Website or the Services for educational or other non-commercial purposes only and only for use within Your business or organization. You may not manipulate or alter any content taken from the Website or the Services in any fashion whatsoever, including but not limited to the creation of derivate works, without Car Insurance Concepts’s express prior written permission. The Website, in both its rendered and HTML formats, constitutes an original work of authorship registered with the U.S. Copyright Office, Library of Congress, and owned by Car Insurance Concepts. The Website was first published in its present form in 2010, and Car Insurance Concepts reserves all rights to it, except as expressly provided herein. Animated videos appearing on the website, first published in 2010, are also subject to copyrights owned by Car Insurance Concepts and Car Insurance Concepts reserves all rights to them except as otherwise expressly provided herein.
Trademarks: You are prohibited from using any of the Marks or logos appearing throughout the Website without the express prior permission of the Mark’s or logo’s owner, including but not limited to , Carinsuranceconcepts.com, or the Carinsuranceconcepts.com logo, except as otherwise permitted by applicable law.
Third-Party Copyrights and Trademarks: From time to time logos, trademarks, trade names, and service marks owned and/or registered by parties other than Car Insurance Concepts (“Third-Party Marks”) may appear on the Website either with or without the express permission of their respective owners. Car Insurance Concepts makes no representation of affiliation, endorsement of or by, joint ventureship, existing or future business dealings, or other connection with or to these other parties. By way of example, and without limitation, the following Third-Party Marks appear or may at any future time appear on the Website:
The blue and white “f” logo (with design) owned by Facebook Inc. and possibly the subject mark of U.S. Trademark Application Ser. No. 85/121,655 and related applications and marks; the FOLLOW ME logo (with design) owned by Twitter, Inc.; the MACAFEE SECURE logo, owned by McAfee, Inc. and possibly the subject mark of U.S. Trademark Application Ser. No. 85/121,102 and related applications and marks; and the POSITIVE SSL logo (with design) owned by Comodo CA Ltd., The Comodo Group, and related companies.
Furthermore, several original literary works of authorship in the form of news articles and informational pieces describing the features of and events affecting the personal Insurance industry also appear on the Website. These works are the property of any listed owner of any copyrights thereto. Said works are reproduced on the Website with the express permission of their respective owners, who otherwise reserve all rights therein. You agree not to reproduce, to modify, or to distribute copies of these works. Should You choose to reproduce, to modify, or to distribute copies of these works, You and You alone are responsible for any damages arising from Your actions.
Links to and from Third-Party Websites: Links on the Website to third-party websites or other information not provided or controlled by Car Insurance Concepts are provided solely as a convenience and courtesy to You. If You use these links or information, You will leave the Website. Such links do not constitute an endorsement, sponsorship, or recommendation by Car Insurance Concepts of the third party, the third-party website, or the information involved. Car Insurance Concepts is not responsible for the availability of any third-party websites, nor is Car Insurance Concepts liable for the contents of any third-party website. By visiting a third-party website via a third-party link placed on the Website, You will be bound by the terms of use of the third-party website involved.
Submission of Unsolicited Ideas: Neither Car Insurance Concepts nor any of its employees accept or consider unsolicited ideas, including ideas for new advertising campaigns, marketing strategies, new or improved products, technologies, services, processes, materials, or new product names. Car Insurance Concepts has found this policy necessary in order to avoid misunderstandings should Car Insurance Concepts’s business activities bear coincidental similarities with one or more of the unsolicited ideas submitted. Please do not send Your unsolicited ideas to Car Insurance Concepts or anyone at Car Insurance Concepts. If, in spite of our request that You not send Your unsolicited ideas, You still send them, then regardless of what Your email, letter, or other transmission may say: (1) Your idea will automatically become the property of Car Insurance Concepts, without any compensation to You; (2) Car Insurance Concepts will have no obligation to return Your idea to You or to respond to You in any way; (3) Car Insurance Concepts will have no obligation to keep Your idea confidential; and (4) Car Insurance Concepts may use Your idea for any purposes whatsoever, including giving Your idea to others.
Consent to Electronic Communication: Car Insurance Concepts and the Insurance Companies to whom Car Insurance Concepts submits Your information in response to a Insurance Product-matching request may from time to time choose to deliver information to You electronically, including up to all of the information either Car Insurance Concepts or the Insurance Companies may every send you. You agree to receive all current and future notices, communications, and information, and to conduct business electronically with Car Insurance Concepts and the Insurance Companies. This means that Car Insurance Concepts and the Insurance Companies may communicate with You by sending a message to the email address You provide or to another email address that may be associated with You that Car Insurance Concepts or the Insurance Companies receive from other sources. You agree that you meet certain minimum threshold technical requirements (stated below) and that You are able to access and retain copies of notices and information sent or made available electronically. The below-stated minimum threshold technical requirements are independent of any additional requirements that any given Insurance Company shall impose. Should You have any concerns or questions as to the specific technical requirements of a given Insurance Company, You should consult with that Insurance Company before agreeing to conduct business with that Insurance Company.
Car Insurance Concepts’s Technical Requirements:
To access and retain information and notices Car Insurance Concepts or will need to send or otherwise to make available to you, you will need:
- Internet access with 128-bit encryption;
- Adobe Acrobat Reader 6 (or higher version);
- a web browser with the ability to print therefrom; and
- email access
Modifications and Updates: Car Insurance Concepts may modify or update these Terms at any time and without notice. Your continued use of the Website and the Services after any changes to these Terms will mean that You accept those changes. Any aspect of the Website may be changed, supplemented, updated, modified, or deleted in the sole discretion of Car Insurance Concepts and at any time without notice.
Termination: You agree that Car Insurance Concepts, in its sole discretion, may terminate or suspend Your use of the Website and the Services at a any time and for any reason or no reason at all, even if access and use continues to be allowed to others. Upson such suspension or termination, You must immediately: (1) discontinue use of the Website; and (2) destroy any copies You have made of any portion of the Website or that otherwise contain information pertaining to the Services. Accessing the Website after such termination, suspension, or discontinuation shall constitute an act of trespass. Further, You agree that Car Insurance Concepts shall not be liable to You or to any third party for termination or suspension of Your access to the Website or the Services.
Private Arbitration & Other General Provisions: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY AGREE THAT ANY DISPUTES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR THE SERVICES SHALL BE SUBJECT TO BINDING PRIVATE ARBITRATION, HELD BEFORE ONE (1) ARBITRATOR UNDER THE SUPPLEMENTARY PROCEDURES FOR CONSUMER-RELATED DISPUTEs OF THE AMERICAN ARBITRATION ASSOCIATION (“AAA”). THE ARBITRATION SHALL BE VENUED IN A LOCATION REASONABLY CONVENIENT TO YOU. THE ARBITRATOR SHALL BE SELECTED BY AAA RULES. SHOULD NO AAA RULE REGARDING THE SELECTION OF AN ARBITRATOR BE IN EFFECT, THE PARTIES SHALL AGREE ON AN ARBITRATOR MUTUALLY AGREEABLE TO BOTH PARTIES. SHOULD THE AAA DECLINE TO ACCEPT A MATTER SUBMITTED FOR INDIVIDUAL (NON-CLASS) ARBITRATION UNDER THESE TERMS OF USE, THE PARTIES SHALL JOINTLY SELECT ANOTHER ARBITRATOR. IN THE EVENT THE PARTIES ARE UNABLE TO AGREE UPON A NEUTRAL ARBITRATOR, THE CLAIMAINT (WHETHER YOU OR Car Insurance Concepts) MAY FILE SUIT IN ANY COURT OF COMPETENT JURISDICITION SOLEY FOR THE PURPSOE FO REQUESTING THE APPOINTMENT OF AN ARBITROAR FOR INDIVIDUAL (NON-CLASS) ARBITRATION, AS PROVIDE FOR IN SECTION 5 OF THE FEDERAL ARBITRATION ACT. TO BEGIN THE ARBITRATION PROCESS, A PARTY MUST MAKE A WRITTEN DEMAND THEREFORE. YOU EXPRESSLY WAIVE ANY OBJECTION THAT YOU MAY NOW OR HEREAFTER HAVE AS TO THE LAYING OF VENUE OR THE DETERMINATION OF JURISDICTION IN ANY SUCH PROCEEDING. YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE AND/OR THE SERVICES MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION ARISES. TO THE FULLEST EXTENT PERMITTED BY LAW, THESE TERMS SHALL BE GOVERNED BY THE INTERNAL SUBSTANTIVE LAWS OF THE STATE OF NEW JERSEY, LOCATED IN THE UNITED STATES OF AMERICA, EXCLUDING ANY OF NEW JERSEYS’ CHOICE OF LAWS PRINCIPLES. EXCEPT AS EXPRESSLY PROVIDED IN A SEPARATE LICENSE, SERVICE PROVISION, OR OTHER WRITTEN AGREEMENT BETWEEN YOU AND Car Insurance Concepts, THESE TERMS CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND Car Insurance Concepts WITH RESPECT TO THE USE OF THE WEBSITE AND/OR THE SERVICES, AND THESE TERMS SUPERCEDE ALL DISCUSSIONS, COMMUNICATIONS, CONVERSATIONS, AND AGREEMENTS CONCERNING THE SUBJECT MATTER THEREOF. YOU MAY NOT ASSIGN THESE TERMS OR ANY OF YOUR INTERESTS, RIGHTS, OR OBLIGATIONS UNDER THESE TERMS TO ANY OTHER PARTY. IF ANY OF PROVISION OF THESE TERMS IS FOUND TO BE INVALID BY ANY ARBITRATOR OR ANY COURT HAVING COMMPETENT JURISDICTION, THE INVALIDITY OF SUCH PROVISION SHALL NOT AFFECT THE VALIDITY OF THE REMAINING PROVISIONS OF THESE TERMS, WHICH SHALL REMAIN IN FULL FORCE AND EFFECT. NO WAIVER OF ANY OF THESE TERMS OR PROVISION THEREOF SHALL BE DEEMED A FURTHER OR CONTINUING WAIVER OF SUCH TERMS OR PROVISION THEREOF OR OF ANY OTHER TERM OR PROVISION THEREOF. YOU MAY PRESERVE THESE TERMS IN WRITTEN FORM BY PRINTING THEM FOR YOUR RECORDS, AND YOU WAIVE ANY OTHER REQUIREMENT THAT THESE TERMS BE EVIDENCED BY A WRITTEN DOCUMENT.
Abbreviated Privacy Policy: Car Insurance Concepts does not sell, trade, or otherwise transfer to outside parties Your personally identifiable information. This does not include trusted third parties who assist Car Insurance Concepts in operating the Website, conducting Car Insurance Concepts’s business, or servicing You, so long as those parties agree to keep this information confidential. Car Insurance Concepts may however release Your information when Car Insurance Concepts believes release is appropriate to comply with the law, to enforce these Terms, or to protect the rights of Car Insurance Concepts or other parties, including the property or safety of Car Insurance Concepts, Car Insurance Concepts’s employees or agents, and the aforesaid third parties. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. Car Insurance Concepts does not use cookies. Because Car Insurance Concepts values Your privacy Car Insurance Concepts has taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. Car Insurance Concepts therefore will not distribute Your personal information to outside parties without Your consent. Car Insurance Concepts is in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act). Car Insurance Concepts does not collect any information from anyone under 13 years of age. The Website and the Services are all directed to people who are at least 13 years old or older. This online privacy policy applies only to information collected through the Website and not to information collected offline. By using the Website, You consent to our online privacy policy. If Car Insurance Concepts decides to change its privacy policy, Car Insurance Concepts will post those changes on this page, and/or update the date upon which the privacy policy was last updated (“Privacy Policy Modification Date). The Privacy Policy Modification Date of these present Terms is April 30, 2011.
To view the complete Privacy Policy click here.
Contact Information: Should You have questions regarding the Terms, the Services, the Website, the above-noted Abbreviated Privacy Policy, the full Privacy Policy, or the Privacy Policy Modification Date, please direct all inquiries to:
Administrative & Privacy Contact
Carinsuranceconcepts.com
info@Carinsuranceconcepts.com
