1. Using our services
Using our Services does not give you ownership of any intellectual property rights in our Services or the content you access. Except in the context of browsing or accessing our Services in accordance with these Terms, you may not use content from our Services unless you obtain permission from its owner or are otherwise permitted by law. These Terms do not grant you the right to use any branding or logos used in our Services. Do not remove, obscure, or alter any legal notices displayed in or along with our Services. Some of our Services are available on mobile devices. Do not use such Services in a way that distracts you and prevents you from obeying traffic or safety laws.
2. The carsurer.com Rating
An carsurer.com Rating reflects carsurer.com assessment of a given agent (company), based upon the information obtained by or submitted to carsurer.com. Someone else's assessment of the same agent may be very different, or be based upon different information. An carsurer.com Rating is not an endorsement of any particular agent, and is not a guarantee of a agent's quality, competency, or character. Nor is the carsurer.com Rating a predictor of the outcome of any matter in which such agent is involved. Rather, the carsurer.com Rating is intended to be a starting point to gather information about agents who may be suitable for your needs - but you should not rely solely on the carsurer.com Rating in deciding whether to contact or hire any given agent (insurance company).
3. Information on the services
Our Services display both carsurer.com-created content and content that is not created or developed by carsurer.com (questions, answers, insurance quotes). We may review third party-content to determine whether it is illegal or violates our policies, and we may remove or refuse to display content that we reasonably believe violates our policies or the law. But we do not routinely screen third-party content that is published via our Services. This includes the information that agents (visitors, users) post on carsurer.com, and we cannot guarantee the accuracy, adequacy or quality of any such information, or the qualifications of those posting it.
4. No formation of an agent-client relationship
The Information found on carsurer.com is intended for general informational purposes only and should be used only as a starting point for addressing your insurance issues. The information is not the provision of any services, and accessing such information, or corresponding with or asking questions to an agent via the Services, or otherwise using the Services, does not create an agent-client relationship between you and carsurer.com, or you and any agent (insurance company, career). It is not a substitute for an in-person or telephonic consultation with an agent licensed to practice in your location, and you should not rely on such information. You understand that questions and answers or other postings to the Services are not confidential and are not subject to agent-client privilege.
5. Insurance services for consumers
carsurer.com is a platform where insurance agents unaffiliated with carsurer.com can offer information and interact with consumers. Furthermore, you understand that carsurer.com cannot be held responsible for the quality or accuracy of any information or insurance services provided by agents (insurance companies) you connect with via carsurer.com.
6. User posted content & other interactive services or areas
carsurer.com includes interactive areas in which you may post content and information, including peer endorsements and user reviews, questions and answers, comments, photos, and other materials (the "User Content"). You retain all rights in, and are solely responsible for, the User Content you post to carsurer.com. You are also solely responsible for your use of such interactive features, and use them at your own risk. By using any interactive feature, you agree to comply with the carsurer.com Terms and Conditions. We reserve the right to remove or modify User Content for any reason, including User Content that we believe violates these Terms or our policies.
When you post User Content to carsurer.com, you give carsurer.com and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such User Content throughout the world in any media. To the extent such content is attached to a profile on the carsurer.com platform, the foregoing license includes a right to reproduce your profile, and any name, likeness or photograph contained in such profile. If you submit feedback or suggestions about our Services, we may use your feedback or suggestions without obligation to you.
carsurer.com may revise these Terms from time to time, on a prospective basis, and we will always post the most up-to-date version on our website. By using or continuing to use or access the Services after any revisions have come into effect, you agree to be bound by the revised Terms.
Notwithstanding any of these Terms, carsurer.com reserves the right, without notice and in its sole discretion, to terminate your license to use the Services, and to block or prevent your access to and use of the Services. carsurer.com reserves the right to refuse service to anyone for any reason at any time. In the event of termination of access to the Services for any reason, you have no right to obtain a copy of any data or communications you stored or effected via the Services, or any other data.
9. Entire agreement
These Terms constitute the entire agreement between you and carsurer.com with respect to the subject matter of these Terms, and supersede and replace any prior version of the Terms. These Terms create no third party beneficiary rights.
10. Waiver, severability, and assignment
carsurer.com failure to enforce a provision of these Terms is not a waiver of its right to do so later. If any provision of these Terms is found unenforceable, the remaining provisions of the Terms will remain in full effect and an enforceable Term or Terms will be substituted reflecting our intent as closely as possible. You may not assign any of your rights under these Terms, and any attempt to do so will be void. carsurer.com may assign its rights to any of its affiliates or subsidiaries, or to any successor in interest of any business associated with the Services.
11. Legal advertising and communications
It is solely the responsibility of agents and insurance firms to ensure that any information or advertisements they post or place on the carsurer.com website (including without limitation any Legal Information), and any communications they may have with prospective clients through the Services, fully complies with all applicable laws and rules of professional conduct, including those concerning the unauthorized practice of insurance services and those regulating the form, manner or content of communications with clients, advertising, or other matters.
12. Disclaimers and acknowledgements regarding use of legal information
All the information on this website is published in good faith and for general information purpose only. carsurer.com does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information you find on this website (www.carsurer.com), is strictly at your own risk. We will be not liable for any losses and/or damages in connection with the use of our website.
While carsurer.com strives to provide—and to allow insurance agents to provide—useful information regarding insurance products and similar services, there are some things that we cannot guarantee. You acknowledge that such information consists of third party data and contributions, that there are certain inherent limitations to the accuracy or currency of such information, that legal and other information may be incomplete, may contain inaccuracies, or may be based on opinion. carsurer.com does not screen such information for accuracy or reliability. to the fullest extent permitted by law, carsurer.com and its affiliates, suppliers and distributors make no warranties, either express or implied, about the services. the services are provided "as is." carsurer.com also disclaims any warranties of merchantability, fitness for a particular purpose, title and non-infringement.
13. Limitation of liability
To the fullest extent permitted by law, in no event shall carsurer.com or any of its affiliates, suppliers and distributors, or any of their respective directors, employees and agents, be liable for any special, indirect or consequential damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) the outcome of any legal matter; (b) your access to or use of or inability to access or use the services; (c) any conduct or content of any third party relating to the services; or (d) unauthorized access, use or alteration of legal information.
You agree to defend, indemnify and hold harmless carsurer.com, its corporate affiliates, independent contractors, service providers and consultants, and each of their respective directors, employees and agents, from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys' fees) arising out of or related to any User Content you post, store or otherwise transmit on or through the Services or your use of or inability to use the Services, including without limitation any actual or threatened suit, demand or claim arising out of or relating to the User Content, your conduct, your violation of these Terms or your violation of the rights of any third party.