Terms and Conditions

PolicyMarketUSA (“we” or “our”) owns and operates the website located at policymarketusa.com, (the “Site”). PolicyMarketUSA provides and maintains this site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in this Terms of Use. By accessing and using the site, you accept and agree, without limitation, to the following:

Products and Services

You understand and agree that PolicyMarketUSA is not an insurance provider and is not the creditor for or issuer of, any of the products featured on the Site. Any products or services advertised at this site or made available to you by any of our partners after you leave the PolicyMarketUSA site, are by and remain the sole responsibility of the respective product vendors and service providers.

Information Acceptance Policy

Your receipt of an electronic or other form of order request confirmation does not signify any acceptance of your application, nor does it constitute confirmation of any offer to supply you with an insurance policy. PolicyMarketUSA reserves the right at any time after receipt of your information via form to accept or decline your request for any reason. PolicyMarketUSA is not responsible for requests that cannot be supplied or unsuccessful application requests arising from an applicant’s ineligibility to qualify for the insurance policy opportunity.

Restrictions

You must be 18 years or older to use the Site. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.

Compliance With Laws

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your purchase of products or services through the Site’s third party affiliates. PolicyMarketUSA may, in its sole discretion, report actual or perceived violations of law to law enforcement or other appropriate authorities. If PolicyMarketUSA becomes aware, through a complaint or otherwise, of any potential or suspected violation of these Terms of Use or of its Privacy Policy (“Privacy Policy”), PolicyMarketUSA the suspected violation and the appropriate enforcement action. During the investigation, PolicyMarketUSA may suspend services to any customer being investigated and/or remove any material related to the aforementioned consumer from PolicyMarketUSA’s servers. You agree to cooperate fully with any such investigation. You acknowledge that violations of the Terms of Use or the Privacy Policy could be subject to criminal or civil penalties.

Intellectual Property

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by PolicyMarketUSA, its licensees, or other third parties who have authorized use of such properties on the Site.

PolicyMarketUSA grants you permission to view and make copies of documents, pages, images or other materials or content on this site for the purposes of submitting a request for an insurance policy from PolicyMarketUSA or its affiliates for your non-commercial, personal use. PolicyMarketUSA reserves all other rights in this web site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of PolicyMarketUSA. Except as expressly provided on this site, nothing contained on this site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right.

Limitation Of Liability And Disclaimer Of Warranties

PolicyMarketUSA uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. PolicyMarketUSA makes no representations regarding the use or results of any content on the Site as to its accuracy, reliability or any other matter. NEITHER PolicyMarketUSA NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. These exclusions and limitations are applied to the fullest extent permitted by law in each jurisdiction.

Third Party Content

The Site may contain links to sites maintained by third parties. PolicyMarketUSA is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

Privacy

PolicyMarketUSA’s Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through the Site in accordance with the Privacy Policy available at policymarketusa.com/privacy. The Privacy Policy sets out your rights and PolicyMarketUSA’s responsibilities with regard to your personal information. PolicyMarketUSA will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. You agree that PolicyMarketUSA, in its sole discretion, may modify the Privacy Policy, and you further agree that, by using the Site after such modifications become effective, you have agreed to these modifications. You acknowledge that if you do not agree to any such modification, you will terminate use of the Site.

Security

PolicyMarketUSA utilizes secure technology to protect your personal information. Although PolicyMarketUSA has taken reasonable measures to provide for the security of certain information that you submit to the Site, PolicyMarketUSA cannot guarantee that this information will not be intercepted or decrypted by others. PolicyMarketUSA accepts no responsibility for such interception or decryption.

Site Use

PolicyMarketUSA is not your agent, or is it the agent of the issuer of any insurance policies or any supplier with respect to your decision to obtain an insurance policy or other insurance offerings. PolicyMarketUSA may receive compensation for third parties for goods, facilities or services that PolicyMarketUSA provides to third parties under separate contract. Such goods, facilities or services may or may not relate in any way to your use of the Site. You agree to any such compensation arrangement whether or not related in any way to your use of the Site.

Law and Venue

You agree that any legal action brought against us shall be governed by the laws of the State of Delaware, without regard to conflict of law principles. You agree that the sole jurisdiction and venue for any litigation arising from your use of or orders made on the Site shall be an appropriate federal or state court located in Delaware. PolicyMarketUSA makes no representations that the content in the Site is appropriate for access outside the United States. Those who choose to access the Site from outside the United States do so on their own initiative and are responsible for compliance with local laws. If any provision within this Terms of Use is held to be invalid or unenforceable, such provision shall be struck and all remaining provisions shall be enforced.

Referring short code

Where 'prior express written consent' within the meaning of the Telephone Consumer Protection Act ('TCPA'), you consent to receive telephone calls, including artificial voice calls, pre-recorded messages and/or calls delivered via automated technology, and text and SMS messages to the telephone number(s) that you provided from us and the marketing partners. You are not required to provide this consent to purchase goods or services offered on policymarketusa.com. Your consent simply allows us to contact you via these means. If you provide consent, PolicyMarketUSA and our affiliates or Marketing Partners may send you SMS messages from their short codes or long codes. Recurring messages are maximum 9 messages per week. Message and data rates may apply. Text STOP to opt-out from future messages and HELP for more information. The mobile carriers are not liable for delayed or undelivered messages.

Modification

PolicyMarketUSA reserves the right to modify these Terms of Use from time to time. Your use of the Site after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.

Indemnification

By using the Site, you agree to indemnify and hold PolicyMarketUSA, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site, including providing a link to another site or uploading any content to the Site.

Dispute Resolution

If you have any dispute concerning any aspect of these Terms of Website Use, the Website, or any of our services, you agree to submit your dispute for resolution by arbitration before the American Arbitration Association ('AAA') in the county where you live by filing a Demand for Arbitration. The arbitrator will have exclusive authority to resolve any dispute including any claim that all or any part of these Terms of Website Use are unenforceable. Opt-Out of Arbitration/Class Action Waiver. The Terms & Conditions do not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement. You may opt-out of these Dispute Resolution Provisions by providing written notice of your decision within thirty (30) days of the date that you first register on the PolicyMarketUSA Website. YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.

Violation of The Terms Of Use

By using the Site, you understand and agree that PolicyMarketUSA, at its sole discretion and without prior notice, may terminate your access to the Site and to any services offered on the Site, and may remove any content you have provided if PolicyMarketUSA believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, that your conduct is disruptive, or you have violated the law or the rights of PolicyMarketUSA or another user.

Miscellaneous

All rights not expressly granted are reserved to PolicyMarketUSA. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation hereof or thereof. A party’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and therein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

Contact Information

PolicyMarketUSA is always willing to answer your questions or concerns about this site. If you have questions relating to the terms of your insurance policy, please contact your insurance carrier directly.

Mailing Address:
Policymarketusa.com
8 The Green
Dover, DE 19901
Email: