Terms & Conditions

Welcome to Insurance Toad, your headquarters for getting fast and free insurance quotes online. Please read and review the following Terms of Service agreement carefully. By accessing our service, website database tools, or content therein, you agree to the following Terms and Conditions of Use, and your use of the site (as defined herein), constitutes your agreement to be bound by this agreement.

All users of Insurance Toad and InsuranceToad.com are subject to the following terms, conditions, and other applicable laws. Accessing our site (s) (whether by web, mobile, or any other means or device), or using this service in any way, represents your agreement to comply with these Terms of Use.

“Insurance Toad” and “InsuranceToad.com” are trademarks of Insurance Toad, LLC and are protected by United States and international laws. These Terms and Conditions do not authorize you to use “Insurance Toad,” “InsuranceToad.com” or any similar or related marks (including, for instance, but not limited to, “InsuranceToad, ” “InsuranceToad.com”) for any use pertaining to reference, business reference, media reference, web reference and/or citation, personal referral, and any other mention of this site.

By visiting the site and/or using InsuranceToad.com, you agree to the following terms and conditions:

By using InsuranceToad.com, you represent that you are at least 18 years of age or older. If you younger than 18 years of age, you represent you are visiting the site under the supervision of a parent or guardian.

Copyright

All web site design, text, graphics, the selection, arrangement, and execution thereof, and including all software, Copyright © 2014 Insurance Toad®. All Rights Reserved.

Disclaimer and Limitation of Liability

The site and any goods, services. content, information and materials made available through or in connection with the site are provided to you “as is” without any express representations or warranties of any kind, and each of the company entities disclaims all statutory or implied representations, warranties, terms and conditions with respect to the site and all goods, services, content, information and materials (including without limitation, third party goods, services, content, information and materials) made available through the site, including any representations or warranties of satisfactory quality, merchantability, fitness for a particular purpose, noninfringement and title. we and the other company entities make no representation or warranty that the site (or any part thereof) is or will be accurate, complete or error-free, nor that any particular software or hardware will be compatible with the site. You hereby agree that it is your sole responsibility to (a) obtain and pay for any software, hardware or services (including internet connectivity) needed to use the site and (b) ensure that any software, hardware or services that you use will function correctly with the site. You agree that you must evaluate, and that you bear all risks associated with, the use of the site, including without limitation, any reliance on the accuracy, completeness or usefulness of any materials available through the site.

None of the company entities shall be liable for any indirect, incidental, consequential, special, exemplary or punitive damages of any kind in connection with the site, under any contract, negligence, strict liability or other theory, including without limitation, damages for loss of profits, loss or interruption of business, loss of use, loss of data, loss of other intangibles, loss of security of information you have provided in connection with your use of the site, or unauthorized interception of any such information by third parties, even if advised in advance of such damages or losses. In particular, and without limitation, the company entities will not be liable for damages of any kind resulting from your use of or inability to use the site or from any content posted on the site by any of the company entities or by any third party. Your sole and exclusive remedy for dissatisfaction with the site is to stop using the site. The maximum liability of the company entities for all damages, losses and causes of action, whether in contract, tort (including without limitation negligence) or otherwise, shall be the total amount, if any, paid by you to us to access and use the site.

Affiliation

Insurance Toad does not claim affiliation with any state or federal insurance departments or coverage programs. The content information regarding these government jurisdictions and departments are for information purposes for use at the user’s discretion. Insurance Toad does not claim affiliation with any commercial or nonprofit insurance company. Any agreement leading to third party sites or agreement shall be established between the customer and that third party.

Indemnity

Insurance Toad is not liable for any agreement between customers and insurance companies nor their policy agreements. Our services are for informational purposes so that customers can compare at their own decision and sole discretion. If the customer visits a third party site, that site’s terms and conditions should be reviewed.

Except to the extent prohibited under applicable law, You agree to defend, indemnify and hold harmless the Company Entities, from and against all claims, losses, costs and expenses (including attorney’s fees) arising out of (a) your use of, or activities in connection with, the Site; (b) any violation or alleged violation of this Agreement by you; (c) any use or other exploitation, or failure or omission to use or otherwise exploit, any Submission (including any portion thereof) that you post; or (d) any claim that your Submission or any use or exploitation thereof caused damage to or infringed upon or violated the rights of a third party, including without limitation past, present or future infringement, misappropriation, libel, defamation, invasion of privacy or right of publicity or violation of rights related to the foregoing.

Term; Conditions; Termination

These terms and conditions, or any part of them, may be terminated by InsuranceToad.com without notice at any time, for any reason. The provisions relating to Copyrights, Trademark, Disclaimer, Limitation of Liability, Indemnification and Miscellaneous, shall survive any termination.

Feedback Terms and Conditions

Unless otherwise stated, anything you submit to InsuranceToad.com for review and feedback in the form of comments, techniques, questions, product or service reviews, contest submissions, photos, videos, articles, and suggestions is subject to being published. This will be published as open, non-confidential content, and royalty-free. Any submission in this form will be regarded as a perpetual and transferable right for InsuranceToad.com to use, copy, and distribute for display and publishing with InsuranceToad.com and any of its entities.

State Legal Terms and Conditions

Your use of the Insurance site, applications, and affiliates shall be governed in all respects by the laws of the respective Austin, TX and, United States of America, without regard to choice of law provisions, and not by the 1980 U.N. Convention on contracts for the international sale of goods.

By visiting InsuranceToad.com site, applications, or affiliates, you agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this site (including but not limited to the use of our tools, service, and servers) shall be in the state or federal courts located in our state. Any cause of action or claim you may have with any or all respect to this site, must be commenced within one (1) year after the claim or cause of action arises.

InsuranceToad’s failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions. InsuranceToad.com its rights and duties under this Agreement to any party at any time without notice to you. No instance of waiver by us of our rights or remedies under these terms and conditions shall imply any obligation to grant any similar, future or other waiver.

These terms and conditions form part of the Agreement between the Customer and ourselves. Your accessing of this website and/or undertaking of a booking, order, or Agreement indicates your understanding, agreement to and acceptance, of the full Terms and Conditions contained herein.

© InsurnceToad.com 2014 All Rights Reserved

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