Use of Portal:
We may terminate, change, suspend or discontinue any aspect of this Portal or any Services, including, but not limited to, content, features or hours of availability. We may also impose limits on certain features of this Portal or any Services or restrict Your access to a portion or all of this Portal or the Services without notice.
Third-Party Vendors and Sites:
You will be navigating, through this Portal, to a third-party platform providing access to products and services. None of the providers accessed through this Portal are part of Our corporate family, and no service, advice or product offered through this Portal has been endorsed by Us. Any transactions that You enter into with a third-party vendor or merchant listed in this Portal or linked from this Portal are solely between You and that third-party vendor or merchant. YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
We are not responsible for, and expressly disclaim all liability for, damages of any kind arising out of use, reference to, or reliance on any information contained within the third-party sites. While the information contained within the site is periodically updated, no guarantee is given that the information provided on the third-party site is correct, complete, and up-to-date. Please be aware that the security and privacy policies on these sites may be different than Our policies, so please read the third-party privacy and security policies closely.
When visiting this Portal or other third-party websites linked from this Portal, Your internet browser may produce pop-up advertisements. These advertisements were most likely produced by other sites You visited or by third-party software installed on Your computer. We do not endorse or recommend products or services for which You may view a pop-up advertisement on Your computer screen while visiting this Portal or a linked third-party site.
Your Responsibility for Decisions:
We are not an insurance carrier and are not the provider of insurance products, coverage, or benefits. You specifically acknowledge that We are not an insurer. We are not responsible for insurance, coverage, or medical decisions or outcomes of any kind and are not providing any insurance advice on this Portal. Nothing contained in this Portal or any Service constitutes a solicitation, recommendation, endorsement or offer to sell, secure or place any insurance policies or coverages. None of the information accessed through this Portal constitutes medical, financial, tax, legal or other advice by Us or any company affiliated with Us.
All insurance products, coverage, or benefits are provided by the insurance carriers with which You will contract and are subject to the terms and conditions of Your agreements with such carriers. We do not guarantee that such carriers will provide You coverage. Additionally, We are not responsible for Your decisions to purchase or not to purchase any products, coverage, or benefits, which decisions are made by You in Your sole discretion and for which You are solely responsible.
DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT. WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY INTERRUPTION OF COVERAGE IN THE EVENT YOUR EXISTING POLICY IS CANCELLED BEFORE YOUR NEW POLICY TAKES EFFECT.
When You register to be able to use this Portal, You will be issued an account, which will have a username and password. You are responsible for maintaining the confidentiality of Your username and password. You are solely responsible for all transactions, communications and acts or omissions that occur through the use of Your username and password by You or any person or entity using a password provided to You, whether or not such access or use has been authorized by You. You agree to ensure that You exit from Your account at the end of each session. It is Your sole responsibility to control the dissemination and use of Your password and access to and use of Your account. We will not be responsible or liable for any loss or damage arising from Your failure to comply with this provision.
Third-Party Service Providers:
We may use third-party service providers ("Third-Party Service Providers") to provide certain content or Services with or without notice to You. We may also change Third-Party Service Providers from time to time and at any time with or without notice to You. You consent and authorize Us to delegate the authorizations You provide to Us to Third-Party Service Provider(s) as We deem necessary or desirable to provide the Services.
This Portal and the Services contain copyrighted works, trademarks and other proprietary material owned by Us or Third-Party Service Providers. We and Our suppliers own all rights, title and interest in and to this Portal, all the content, data and materials thereon (with the exception of Your personal and account information), the look and feel, design and organization of this Portal and the compilation of the content, data and materials on this Portal, including, but not limited to, any copyrights, trademark rights, patent rights and other intellectual property and proprietary rights therein. If no restrictions are displayed, You may download, view and copy the information available from this Portal for non-commercial personal or educational purposes only, provided that each copy includes the copyright, trademark or service mark notices or attributions as they appear on the screens copied. Except as stated above, You may not copy, reproduce, modify, create derivative works, publish, transmit, display, sublicense or distribute material or images from this Portal without Our express written permission or that of the Third-Party Service Provider, as applicable. Any commercial distribution, publishing or exploitation of this Portal or the materials on this Portal is strictly prohibited.
Limits of Liability:
IN NO EVENT SHALL WE, OR OUR SUBSIDIARY AND PARENT COMPANIES OR THEIR RESPECTIVE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS, OR ANY THIRD-PARTY SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, DAMAGES RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE THIS PORTAL, ANY WEB SITES LINKED TO THIS PORTAL, THE MATERIALS, SOFTWARE OR OTHER INFORMATION CONTAINED IN ANY OR ALL SUCH SITES, OR THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU AS A RESULT OF YOUR USE OF THIS PORTAL OR ANY SERVICES, WHETHER BASED ON WARRANTY, CONTRACTS, STATUTES, REGULATIONS, TORT (INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. HOWEVER, IF A COURT WITH JURISDICTION DETERMINES THAT WE ARE LIABLE TO YOU, OUR LIABILITY IS LIMITED TO THE LESSER OF YOUR ACTUAL DAMAGES OR $1000.
THE FOREGOING EXCLUSIONS AND LIMITATIONS OF DAMAGES FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN US AND YOU, AND THIS PORTAL WOULD NOT BE PROVIDED WITHOUT SUCH EXCLUSIONS AND LIMITATIONS. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSIONS MAY NOT APPLY TO YOU. YOU AGREE, HOWEVER, THAT THESE EXCLUSIONS AND LIMITATIONS OF DAMAGES WILL BE APPLIED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND SHALL AUTOMATICALLY BE DEEMED AMENDED IN A MANNER CONSISTENT WITH THE OBJECTIVES OF SUCH EXCLUSIONS AND LIMITATIONS TO THE EXTENT NECESSARY TO MAKE SUCH EXCLUSIONS AND LIMITATIONS ENFORCEABLE UNDER APPLICABLE LAW.
We utilize reasonable security technologies to protect Your confidential information. However, the security of this information depends on, among other things, the security of Your computer and the network it may be on, the security You use to protect Your confidential information, the security provided by Your Internet access services provider, the security of the means of transmission of data through the Internet and, more generally, on the effectiveness of the security technologies that are used to protect Your confidential information. Although We take reasonable security precautions regarding information transmitted to and stored on this Portal, due to the open nature of the Internet, We cannot guarantee that any information stored on Our servers, or transmitted to or from a User, will be free from unauthorized access, and We disclaim any liability for any theft or loss of, unauthorized access or damage to, or interception of any data or communications. By using this Portal, You acknowledge that You understand and agree to assume these risks.
If You contact Us by e-mail, You should be aware that e-mail transmission might not be secure. A third party could view information You send by e-mail in transit. We will have no liability for disclosure of Your information due to errors or unauthorized acts of third parties during transmission.
If You are requested to send Us any sensitive personal information, such as Your username or password, in an e-mail, on this Portal or otherwise, and You are uncertain whether such request is authorized by Us, please do not hesitate to contact Us.
In the unlikely event that We believe that the security of Your personal information in its possession or control may have been compromised, We may seek to notify You of that development. If a notification is appropriate, We will endeavor to do so as promptly as possible under the circumstances, and, to the extent We have Your e-mail address, We may notify You by e-mail. You consent to Our use of e-mail as a means of such notification.