Terms & Conditions

Terms Of Use

Effective October 1, 2022

Agreement between User and insured.io

Welcome to the insured.io insurance online Portal and related services (hereinafter, the "Services"). The Services are comprised of various web pages managed and operated by insured.io ("insured.io"). The Services are offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of the Services constitutes your agreement to the Terms. Please read these Terms carefully and review them periodically, as they will change from time to time, at the discretion of insured.io.

 Privacy

Your use of Services is subject to insured.io's Privacy Policy.

Please review our Privacy Policy, which also governs the Services and informs users of our data collection and use practices.

Electronic Communications

Use of the Services or sending emails to insured.io constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Portal, satisfy any legal requirement that such communications be in writing.

Text Messaging and Use of Short Messaging Service (SMS) Short Codes

Your use of the Services may include the ability for you to register and thereafter receive insurance policy-related text messages. When you opt-in for text message alerts, receipts or other messaging related to the Services, insured.io will send you a SMS Short-Code (a five-digit code sent to you when you “opt-in” to text messaging services). For SMS Short Codes provided by the Services hereunder, the following will apply:

1. When you opt-in to the Services, we will send you a text message to confirm your consent to receive text messages.

2. You can cancel the text messaging service at any time by texting "STOP" to the SMS Short- Code number you received. After you send the text message "STOP" to insured.io, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive text messages from us. If you want to join again, just sign up through the Services as you did prior.

3. If at any time you forget which keywords are supported, just text "HELP" to the SMS Short-Code. After you send the message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

4. Currently, we can deliver messages to the following mobile phone carriers:

(i) Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile; and

(ii) Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).

***Carriers are not liable for delayed or undelivered messages***

5. Message and data rates may apply. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the Services provided by this short code, you can send an email to info@insured.io.

6. If you have any questions regarding privacy, please read our privacy policy.

Your Account

If you use the Services, you are responsible for maintaining the confidentiality of your account, including username and password, and for restricting access to your computer - or other device. You further agree to assume responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that insured.io is not responsible for third party access to your account that results from theft or misappropriation of your account information. Insured.io and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

Children under 18

We do not knowingly collect information from anyone under the age of 18 (or such other age as may be restricted under law). If you are under the age of 18, you may not use the Services without verifiable written permission from your parent or legal guardian.

Links to Third Party Sites / Third Party Services

The Services may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of insured.io and insured.io is not responsible for the content of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Insured.io is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by insured.io of the site or any association with its operators.

No Unlawful or Prohibited Use / Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use the Services strictly in accordance with these Terms. As condition of your use of the Services, you warrant to insured.io that you will not use the Services for any purpose that is unlawful or prohibited by these Terms. You may not use the Services in any manner which could damage, disable, overburden, or impair the Services or interfere with any other party's use and enjoyment of the Services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Services.

All content included as part of the Services, such as text, graphics, logos, images, as well as the compilation thereof, and any software used by or through the Services, is the property of insured.io or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Services. Insured.io content is not for resale. Your use of the Services does not entitle you to make any unauthorized use of any protected content. Further, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of insured.io and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. Insured.io does not grant you any licenses, express or implied, to the intellectual property of insured.io or our licensors except as expressly authorized by these Terms.

Use of Communication Services

The Services may contain bulletin board services, chat areas, news groups, calendars and/or other message communication facilities designed to enable you to communicate with your insurance company, related third parties and/or insured.io (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the Communication Service.

By way of example, and not as limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy and publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.

International Users

The Service is controlled, operated and administered by insured.io from offices and data centers within the continental United States. If you access the Services from a location outside the United States, you are responsible for compliance with all local laws. You agree that you will not use the insured.io content accessed through the Services in any country or in any manner that may be prohibited by applicable laws, restrictions, or regulations.

Indemnification

You agree to indemnify, defend and hold harmless insured.io, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Services, your violation of any the Terms or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Insured.io reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with insured.io in asserting available defenses.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES INCLUDED OR AVAILABLE IN OR AVAILABLE THROUGH THE SERVICES MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. INSURED.IO AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SERVICES AT ANY TIME.

INSURED.IO AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SERVICES FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. INSURED.IO AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INSURED.IO AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE OR DATA, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SERVICES, WITH THE DELAY OR INABILITY TO USE THE SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE THE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE SERVICES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF INSURED.IO OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICES.

Termination / Access Restriction

Insured.io reserves the right, in its sole discretion, to terminate your access to the Services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California, and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Services. Use of the Services is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and insured.io as a result of this agreement or use of the Services. Insured.io's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is a derogation of insured.io's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Services or information provided to or gather by insured.io with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in full force and effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between, you, the User, and insured.io with respect to the Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and insured.io with respect to the Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

Insured.io reserves the right, in its sole discretion, to change the Terms under which the Services are offered. The most current version of the Terms will supersede all previous versions. Insured.io encourages you to periodically review the Terms to stay informed of our updates

Contact Us

If you have any questions regarding the Terms, please contact us via email:

info@insured.io

Privacy Policy

Effective date: August 24, 2020

insured.io ("us", "we", or "our") operates the insured.io website on behalf of insured.io (the "Service").

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.  Please note that this Privacy Policy only applies to your use of the Service.  Your insurance company may have its own Privacy Policy, governing use of their own products and services, which may differ from ours. We do not take responsibility for their privacy policy.  However, we stand by ours.   

We use your data to provide and improve the Service. We do not sell your information or use it for purposes, other than to provide you the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at https://insured.io/

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected and How We Use It

Account Information:

When you create, or register, an account on the Service (an “Account”), we may ask you for information such as your username, password, policy number, age, and phone number.  We may use such information, alone or together with other information, to enhance and improve the Service, such as by personalization.  We use your age to verify that you can lawfully use the Service.  We use your email address to verify your account and to communicate with you, as further described below.

Email Communications with insured.io

As part of the Service, you may occasionally receive administrative communications from insured.io (e.g., for purposes of Account recovery or password reset).  Such communications are considered part of the Service and your Account, which you may not be able to opt-out from receiving.  We may send other communications, at your behest (e.g., emailing a receipt of payment made within the Service).  Note that insured.io will never email you to ask for your password or other Account Information; if you receive such an email, please forward it to us.

Personal Data

To provide the Service to you, we receive policy related information from your insurance company.  This information may include information about your policy, coverages and payment related data.   

While using the Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personal Data may include, but is not limited to:

Payments

We may also collect payment information from you to provide you with our Service.  This may include making online payments using your credit card or bank account information.  It may also include your ability to enroll in automatic payments with a saved payment method of your choice (ACH or credit card).  We do not store your payment information, nor do we process the payments.  All payment transactions initiated, by you, through our Service are processed by third party payment processor(s), chosen by your insurance company to be connected to our Service. 

By sharing such payment information, you are consenting to our use of such information for the business purpose of providing you the Service.

Usage Data

We also collect information how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (i.e., IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.  You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Common examples of Cookies we use:

How We Use the Data

insured.io uses the collected data for various purposes, which may include, but not be limited to:

Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

insured.io will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Legal Requirements

insured.io may disclose your Personal Data in the good faith belief that such action is necessary to:

Security of Data

The security of your data is very important to us.  To protect data, we follow industry best practices and take reasonable precautions ensure your data is not inappropriately lost, misused, accessed, disclosed, altered, or destroyed.

If you share credit card information with us, we follow all PCI-DSS requirements and implement additional generally accepted industry standards to protect such information. 

Service Providers

We may utilize third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to Personal Data only to perform these tasks on our behalf and are contractually obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service, including but not limited to Google Analytics, as further described below.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Children's Privacy

As stated in our Terms of Use, our Service does not address anyone under the age of 18 (“Child” and/or "Children").

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we will take steps to purge that information from our servers.

We Use Standard Messaging Service Short Codes

If you opt-in for SMS text alerts, receipts and/or other messaging related to the Services, we may send you messages via short-code (a six-digit code sent to you when you “opt-in” to SMS text messaging services).  For SMS messages provided in the Services hereunder, the following will apply:

1 . When you opt-in to the Service, we will send you an SMS message to confirm your signup.

2 . You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

3 . If at any time you forget what keywords are supported, just text "HELP" to the short code. After you send the SMS message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

4 . We can deliver messages to the following mobile phone carriers: Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile. Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless). ***Carriers are not liable for delayed or undelivered messages***

5 . As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency and type may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the services provided by this short code, you can send us an email.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our web site:

https://insured.io

We will let you know via email and/or a prominent notice on our Service, when the change(s) becomes effective and update the "effective date" at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us at privacy@insured.io