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Terms of Use Agreement

 

Last revised: August 04, 2009

 

This Terms and Conditions of Use Agreement ("Terms of Use") constitutes a binding agreement between you and ("OnesInsurance"). Please carefully read through all sections of these Terms of Use. By accessing this web site or any of the web sites owned or controlled by OnesInsurance (each a "Site" and collectively the "Sites") you agree to be bound by these Terms of Use. Additionally, please be advised that any content you submit to OnesInsurance, via emails, or otherwise, becomes the property of OnesInsurance. If you do not acknowledge and agree to these Terms of Use, then do not enter your information and do not continue using our Sites. Your access to and use of the Sites is subject to these Terms of Use and all applicable laws. These Terms of Use may be changed by us from time to time without notice to you, and the latest version will be posted on this Site.

 

Privacy and Security

 

Your privacy is very important to us. When you are ready to fill out the quote form you are transferred to a secure site to enter your information. Our server does not handle your personal information, but the information you type in is secure on our partner site.

By agreeing to these Terms of Use, you agree to the terms of our Privacy Policy. In order to protect your data in transmissions between you and our partner, personal Information is collected by our partner only through secured browser connections. These security measures help prevent unauthorized access and maintain data security. No transmission of data over the Internet, however, is guaranteed to be completely secure; information can be unlawfully intercepted by other parties. Although OnesInsurance takes your privacy very seriously, we cannot guarantee the safety of your information.

 

How our Service Works

 

OnesInsurance a matchmaking quote service that uses our partner to connect consumers with insurance companies across a variety of insurance policy types. OnesInsurance is not an insurance agency and does not provide quotes directly to consumers. Rather, OnesInsurance is a matching service that instantly connects you with a nationwide network of quality insurance companies through our partner.

After you submit your quote request via OnesInsurance.com, OnesInsurance directs you to our partner site to immediately match you to local and national insurance companies/agents who can meet your insurance needs. Our partner will create this connection by having the insurance company/agent email you your quote and the insurance company/agent contact information as well as passing your information to the insurance company/agent. Your matching insurance company/agent will use the information you provided in your quote request to provide you with a quote. Sometimes they might not have a matching agent based on your location and insurance needs. In this event, your information may be passed to one of there third party agent networks to ensure that you receive as many competitive quotes as possible.

OnesInsurance does not charge a fee to use our service.

OnesInsurance is not an agent of you or the insurance agents; we do not recommend any particular insurance agent or type of insurance. Use your own judgment in choosing an insurance agent and policy. We cannot guarantee that you will receive quotes.

By submitting a quote request, you authorize our partner to provide your information to insurance companies/agents, both local and national. You also authorize OnesInsurance to provide our partner your information to one of there third party agent networks in the event that there primary agent network has few or no insurance companies/agents in your zip code. You authorize these agent networks to share your information with their vendors, suppliers, and insurance carriers in order to generate information for your quotes. By submitting a quote request, you acknowledge that out partners service requires you to agree that they will obtain a consumer report or credit score from a consumer reporting agency (also known as a credit bureau) and that our partner does not have the right to obtain a consumer report or credit score without your written instruction which you are granting by clicking the submit button.  Accordingly, by submitting a quote request you instruct consumer reporting agencies to provide a consumer report or credit score on you to our partner within a reasonable time from the time you submit information to our partner. Our partner will obtain this credit information for its sole use and will not share this information with any other party, including insurance carriers, but insurance carriers may elect to obtain credit information on their own in connection with the quoting and underwriting of the requested insurance. Where permitted by law, some insurance companies or their agents may confirm your information, through the use of consumer reports, which may include credit score and driving record.

You understand you are extending an express invitation for insurance agents to contact you by any means provided on your quote request, including your phone numbers and email addresses. If you choose to purchase a policy from a particular agent, any further communications with that agent are not covered under these Terms of Use.

 

Minors

 

OnesInsurance does not intentionally target anyone under the age of 16. Our Sites and services are not directed toward people under the age of 16, nor does our partner knowingly collect information from individuals under the age of 16. Individuals between the ages of 16 and 18 are granted permission to use our Sites only with the permission of their parent or guardian.

 

Links to Third Party Web sites

 

OnesInsurance's Sites may contain links to third party sites. These links are provided for your convenience, however OnesInsurance's hosting of these links is not an endorsement of any particular company. Be aware that OnesInsurance is not responsible for the privacy practices of other sites; we encourage you to thoroughly read the privacy policies of third party sites linked from our Sites to ensure that you are comfortable with their practices.

 

Content, Copyright and Trademark

 

All text, graphics, photographs, trademarks, logos, and programming code contained on OnesInsurance/sites (collectively, "Content"), including but not limited to the design, "look and feel" and arrangement of such Content, is owned, controlled or licensed by OnesInsurance and/or its suppliers. Except as otherwise provided herein, none of the Content may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted or transmitted in any form or by any means, without our express prior written permission. Permission is hereby granted to lawfully access and use the Sites to display, download, archive and print, portions of the Sites articles on a temporary basis for your individual use. You may not otherwise modify or download any Content on the Site without the prior express written permission of OnesInsurance.

 

Disclaimers

 

OnesInsurance intends that the information contained on our Sites is accurate and reliable; even so the information provided on our site is not intended to be professional advice. Please consult with a licensed insurance agent in your state to recieve professional answers to your questions. Errors can sometimes occur. We reserve the right to make changes and/or additions to our Sites or the information contained on these Sites at any time.

OnesInsurance is not responsible for errors or delays in matching your quote request with qualified agents if personal information such as email address and phone number are not entered correctly. We are also not responsible for any quotes agents may generate that are the result of incorrectly entered quote request information.

WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE SITES, THE SERVICES YOU MAY OBTAIN THROUGH THE SITES, OR THE CONTENT, WHICH ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SITES, ANY WEBSITE WITH WHICH THEY ARE LINKED, ANY SERVICES PROVIDED ON THE SITES, AND THE RESULTS YOU MAY OBTAIN FROM USING THE SITES OR THE SERVICES. WE DO NOT WARRANT THAT THE SITES, THEIR SERVERS OR E-MAIL SENT FROM US OR AGENTS USING OUR SERVICES WILL BE FREE OF ANY HARMFUL COMPONENTS (INCLUDING VIRUSES). WE DO NOT PROVIDE ANY REPRESENTATIONS OR WARRANTIES AGAINST THE POSSIBILITY OF DELETION, MISDELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS, OR OTHER DATA.

 

Exclusion of Liability

 

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS WE, ON BEHALF OF OUR EMPLOYEES, AGENTS, SUPPLIERS, AND CONTRACTORS, EXCLUDE AND DISCLAIM LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOSS OF USE, LOSS OF DATA, LOSS CAUSED BY A VIRUS, LOSS OF INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITES OR ANY WEBSITE WITH WHICH THEY ARE LINKED. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER BASIS. AS A CONDITION OF USING THIS WEB SITE AND/OR THE SERVICES OFFERED HEREIN, YOU AGREE TO INDEMNIFY ONESINSURNACE.COM FROM AND AGAINST ANY AND ALL LIABILITIES, EXPENSES INCLUDING ATTORNEYS FEES AND DAMAGES ARISING OUT OF CLAIMS RESULTING FROM YOUR USE OF THIS WEB SITE, INCLUDING WITHOUT LIMITATION ANY CLAIMS ALLEGING FACTS THAT IF TRUE WOULD CONSTITUTE A BREACH BY YOU OF THESE TERMS.

 

Your Use of the Sites

 

You agree to use the Sites in a manner consistent with any and all applicable laws, rules and regulations. You agree not to upload or transmit through the Sites any computer viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer. Any unauthorized modification, tampering or change of any information, or any interference with the availability of or access to the Sites is strictly prohibited. OnesInsurance reserves all rights and remedies available to it.

You may not use any "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process to access, acquire, copy or monitor any portion of the Sites or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Sites or any Content, to obtain or attempt to obtain any materials or information through any means not purposefully made available through the Sites. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Sites or any transaction being conducted on the Sites, or with any other person's use of the Sites.

You agree to indemnify, release and hold harmless OnesInsurance and employees from any claim, liability, loss, expense or demand, including legal fees, related to your violation of these Terms of Use or your access or use of the Sites.

 

Right to Modify or Discontinue Sites

 

OnesInsurance reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites (or any part thereof) with or without notice. You agree that OnesInsurance will not be liable to you or to any third party for any modification, suspension or discontinuance of the Sites.

 

Other Agreements

 

These Terms of Use may be supplemented or amended by the terms of other "click-through" agreements between you and OnesInsurance found on our Sites (the "Other Agreements"). In such cases, you may be asked to expressly consent to the terms of such Other Agreements, for example, by checking a box or clicking a button marked "I agree." If the terms relating to the subject matter of these Terms of Use are different than the terms of those Other Agreements, the of the Other Agreements will supplement or amend these Terms of Use.

 

Miscellaneous

 

This Agreement will be governed and construed in accordance with the laws of the State and the United States without regard to any conflict of laws principles that would require the application of the laws of another jurisdiction. Any dispute arising under or in connection with this Agreement will be heard exclusively in the state and federal courts. You hereby expressly and irrevocably consent and waive any objection to the personal jurisdiction, venue and convenience of such courts. No waiver by OnesInsurance of any breach of or right under this Agreement will be a waiver of any preceding or succeeding breach or any other right.

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