This Terms of Service Agreement (“TOS” or “Terms”) is a legal agreement between you and (“Texas Insurance Ratings” or “us”), and governs how you may use our website (“Site”) and the Texas Insurance Ratings Service defined in Section 1. When you utilize our Service, you are confirming your understanding of and agreement with these Terms and the license granted herein. By visiting or using the Site in any way, you agree to accept notices of any kind from Texas Insurance Ratings in electronic form. Notices from Texas Insurance Ratings intended for your receipt shall be deemed delivered and effective when sent by email to any email address you provide to us. Any rights not expressly granted herein are reserved by Texas Insurance Ratings.
Service Description
Texas Insurance Ratings is an business service comparison platform (the“Service”) that enables users to compare and contrast the services and associated rates offered by various third-party business services. In addition, the Service offers information and guidance to assist users in selecting Providers. Any questions, complaints or claims related to any service should be directed to the appropriate Provider.
Provider Service information is intended only for general educational purposes.
Should you choose to enroll with a Provider about which you learn from the Site, your contractual relationship will be with that Provider and not with Texas Insurance Ratings. Your interaction with any Provider accessed through the Site is at your own risk and Texas Insurance Ratings does not have any responsibility for the quality of the services you receive from any such Provider.
License
Texas Insurance Ratings hereby grants you a non-exclusive, non-transferable, revocable, limited license to access and use the Site under the terms set forth below. The Site and the content, including, but not limited to, text, data, Providerorts, opinions, software (including HTML-based computer programs), images, photos, graphics, graphs, charts, animations and video (collectively the “Content”) displayed on the Site may be used only for your personal and non-commercial use. Except as otherwise permitted under these Terms of Service, you agree not to copy, Providerroduce, modify, create derivative works from, or store any Content, in whole or in part, from the Site or to display, perform, publish, distribute, transmit, broadcast or circulate any Content to anyone, or for any commercial purpose, without the express prior written consent of Texas Insurance Ratings.
The trademarks, service marks, and logos (collectively, “Trademarks”) used and displayed on this website are registered or unregistered marks of Texas Insurance Ratings and others. Texas Insurance Ratings’s Trademarks may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this website, without our prior, written permission. To request permission to use the Marks or Content on the Site, or any other Texas Insurance Ratings material, please contact Service@TexasInsuranceRatings.com
Termination of License
Texas Insurance Ratings reserves the right to terminate the License granted herein and deny you access to the Service or any portion of it in its sole discretion, without any advance notice or liability to you, for any reason. Texas Insurance Ratings also reserves the right to investigate suspected violations of these Terms or refer to law enforcement authorities any behavior that we believe may violate these Terms or applicable law. If your License is terminated for any reason, we reserve the rights in our sole discretion to: (i) remove your profile from the Site; and (ii) remove and discard any of your submitted Content. The termination of your License and account will not affect any additional right or relief to which Texas Insurance Ratings may be entitled, at law or in equity. Upon termination of these Terms, all rights granted to you will automatically terminate and immediately revert to Texas Insurance Ratings.
How We Present Plans and How We Are Compensated
The Site and Service do not charge visitors a fee. Some Providers shown on the Site have agreements with Texas Insurance Ratings pursuant to which Texas Insurance Ratings receives a fee from those Providers when consumers enroll in the Provider’s service after using Texas Insurance Ratings. This compensation is one of many factors that can cause those Providers to appear in our Featured, Sponsored or Recommended portions of the Site and/or affect the placement or order of Providers’ appearance in search results and comparison features on the Site. Other such factors include the plans’ prices, what we believe to be the quality of the Providers’ content, the variety of Providers’ plan offerings, Providers’ reviews and ratings, Providers’ deposit policies, Providers’ fees, and other factors that we believe are useful. Some Providers also pay us to place advertisements on the Site.
General Prohibitions
You may not do any of the following:
(a) Copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code of the website or Service;
(b) Remove or obscure the copyright notice or other notices displayed in connection with the content accessible through the website or Service;
(c) Interfere with or disrupt the website, or servers and networks connected to the website, or circumvent, disable or otherwise interfere with security-related features of the Service or features that prevent or restrict use or copying of any content or that enforce limitations on use of the Service;
(d) Impersonate any other person or entity, or allow any third-party to use the Service under your account, share your password or other account information with anyone other than those you expressly authorize, or use the account of anyone other than your own;
(e) Modify the website or Service in any manner or form, or use modified versions thereof;
(f) Sell, assign, sublicense, or otherwise transfer any right in the Service or content accessible through the website;
(g) Use any robot, spider, scraper, or other automated means to access the Service for any purpose;
(h) Take any action that imposes or may impose an unreasonable or disproportionately large load on the Texas Insurance Ratings infrastructure; or
(i) Knowingly disseminate or transmit any worms, viruses or other harmful, disruptive or destructive files, code, programs or other similar technologies, or otherwise utilize the Service in any manner that violates any statute, rule, or regulation.
No Warranty
THE CONTENT AND THE SITE ARE PROVIDED “AS IS” WITHOUT ANY WARRANTIES OF ANY KIND. Texas Insurance Ratings MAKES NO GUARANTEES OR WARRANTIES AS TO THE ACCURACY, COMPLETENESS, TIMELINESS OR CURRENTNESS OF THE SITE, THE SITE’S CONTENT, OR ANY MATERIAL THAT CAN BE ACCESSED (VIA A DIRECT OR INDIRECT HYPERLINK OR OTHERWISE) THROUGH THE SITE. Texas Insurance Ratings HEREBY DISCLAIMS ANY AND ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
OUR ESTIMATES OF AND COMPARISONS BETWEEN Provider PLANS INCLUDE ALL THE RECURRING CHARGES THAT YOU WILL SEE ON YOUR Provider BILL EXCLUDING GOVERNMENT FEES AND TAXES, BUT WE CANNOT AND DO NOT GUARANTEE THAT OUR ESTIMATES OR COMPARISONS ARE ACCURATE OR THAT THE SERVICES OFFERED BY ProviderS ON OUR SERVICE ARE THE BEST OR LOWEST-PRICED SERVICES AVAILABLE TO YOU. THE ProviderS APPEARING ON OUR SERVICE ARE INDEPENDENT THIRD PARTIES EXCEPT TO THE EXTENT EXPRESSLY DESCRIBED IN THESE TERMS. YOUR ACTUAL PRICES FOR THE SELECTED PLANS WILL BE DETERMINED BY YOUR INDIVIDUAL USAGE, INFORMATION FOUND IN THE “ELECTRICITY FACTS LABEL” MANDATED BY THE PUBLIC UTILITY COMMISSION OF TEXAS AND ProviderS’ CUSTOMER AGREEMENTS, AND OTHER FACTORS OUTSIDE OUR CONTROL.
THE DISCLAIMERS IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED UNDER LOCAL LAW.
LIMITATION OF LIABILITY & RELEASE.
In no event shall Texas Insurance Ratings be liable to you or any other party for any indirect, special, incidental, consequential, or punitive damages, however and wherever arising, that may result from your use of the Site or the Texas Insurance Ratings Service, including without limitation to losses incurred due to: (a) any inaccurate information published on the site or any site accessible via an outbound link; (b) software glitches, server failures, power outages, or any other issue beyond Texas Insurance Ratings’s control; (c) any delays in or failure of the Service to operate as described; (d) any unauthorized disclosure of account information that may occur through the actions of any third-party, such as hackers; (e) any damage to your website code or content resulting from your use of our API; (f) damages or losses of any kind resulting from actions you take in reliance upon any results or other information provided by the Service; and (g) any other damages or losses you may incur in connection with your use of the Texas Insurance Ratings site or service. IN NO EVENT WILL Texas Insurance Ratings'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OR ACTION RELATING TO THE SITE AND/OR THE SERVICE EXCEED TEN UNITED STATES DOLLARS ($10.00) OR THE MINIMUM LIABILITY ALLOWED BY RELEVANT LAW, WHICHEVER IS GREATER.
Texas Insurance Ratings is not responsible for examining or evaluating the business practices, action, omissions, or services of participating Providers. If you elect to establish an account with a Provider on this site, you agree that you will first carefully review the terms and conditions of that Provider’s service. IN THE EVENT OF A DISPUTE BETWEEN YOU AND A Provider LISTED ON THE SITE, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU RELEASE Texas Insurance Ratings , ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LEGAL ProviderRESENTATIVES FROM AND AGAINST CLAIMS AND DAMAGES OF ANY KIND, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH SUCH A DISPUTE.
If you are a California resident, by using the Site, you explicitly waive the rights granted to you under California Civil Code 1542, which states: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor.” If you are a New Jersey resident, certain sections of this TOS, including Sections 5, 6, and 7 may not apply to you pursuant to the New Jersey Truth in Consumer Contract, Warranty, and Notice Act. Additional states may not allow this exclusion or limitation of liability, so the above limitation or exclusion may not apply to you.
IndemnificationBY USING THE SITE, YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS Texas Insurance Ratings AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE OR CONTENT PROVIDERS FROM AND AGAINST ANY AND ALL LOSSES, LIABILITIES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS’ FEES AND COURT COSTS, ARISING OR RESULTING FROM YOUR USE OF THE SITE AND ANY VIOLATION OF THESE TERMS OF SERVICE. IF YOU CAUSE A TECHNICAL DISRUPTION OF THE SITE OR THE SYSTEMS TRANSMITTING THE SITE TO YOU OR OTHERS, YOU AGREE TO BE RESPONSIBLE FOR ANY AND ALL LOSSES, LIABILITIES, EXPENSES, DAMAGES AND COSTS, INCLUDING REASONABLE ATTORNEYS’ FEES AND COURT COSTS, ARISING OR RESULTING FROM THAT DISRUPTION.
Copyright
All information and content on thiswebsite, including logos, graphics, code, script, sound, images and text (“Website Materials”) and any intellectual property rights embodied therein are the property of Texas Insurance Ratings or third-party providers of information that appears on the site. Unless otherwise stated herein, none of the Website Materials may be copied, Providerroduced, modified, distributed, sold, broadcast, stored or otherwise used without the express permission of Texas Insurance Ratings or the original copyright holder. You may display and print Website Materials solely for your personal, non-commercial use, provided that you do not modify the Website Materials and that you retain all copyright and other proprietary notices contained in them.
Texas Insurance Ratings or its Providers may provide software for download on the website. Use of software provided on the website is protected by copyright law and governed by the terms of the end user license agreement that accompanies such software. You may not install or use any software that contains an end user license agreement unless you first agree to the terms of the end user license agreement.
Texas Insurance Ratings encourages you to Providerort any content on the Site that you believe infringes your rights. Only the intellectual property rights owner or person authorized to act on behalf of the owner can Providerort potentially infringing content. If you have a good faith belief that content on the Site infringes your copyright, trademark, or other intellectual property rights, please follow the procedures set forth below. Under the U.S. Digital Millennium Copyright Act, our designated copyright agent for notice of alleged copyright infringement appearing on the Services can be contacted at Service@TexasInsuranceRatings.com
We reserve the right to remove any content alleged to be infringing without prior notice, at our sole discretion, and without liability to you, and/or to terminate your account if it is determined that you knowingly posted infringing content.
Choice of Law; Forum
This document shall be governed in all respects by the laws of the United States and the State of Texas. Any claim or dispute you may have against us, whether subject to mandatory arbitration or otherwise, must be brought in Dallas, Texas. For any matters not subject to mandatory arbitration, you agree to submit to the personal jurisdiction of the courts located within Dallas County, Texas for the purpose of litigating all such claims or disputes.
Should you file a claim other than as specified here, we may recover reasonable attorneys’ fees and costs, provided that we have notified you in writing of the improperly filed claim and you have failed to withdraw the claim promptly.
Arbitration Agreement and Class Action Waiver
You agree to arbitrate all disputes and claims that arise out of or relate to your use of the Service, regardless of when those disputes or claims arise. Therefore, you agree that, by using the Service, YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION BASED ON OR INVOLVING CLAIMS BROUGHT IN A PURPORTED ProviderRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, OTHER USERS, OR PERSONS SIMILARLY SITUATED. Any arbitration proceeding brought under this section shall be conducted by an arbitration service provider chosen by Texas Insurance Ratings applying Texas law. The arbitration may be conducted telephonically, with the costs to be split evenly between the parties.
Limitation of Actions
Any claim or cause of action arising out of your use of the Service must be filed within one year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by Texas Insurance Ratings to enforce or exercise any provision of this TOS or any related right shall not constitute a waiver of that right or provision.
Modification and Notice of Changes
Texas Insurance Ratings reserves the right to modify the information contained on this website or these Terms at any time without notice. Accessing this website after any changes to these Terms have been posted thereon will constitute your agreement to the revised Terms. Unless specifically stated otherwise, any new features, products or services added to the website shall be subject to these Terms.
Entire Agreement
This Terms of Service and any document incorporated by reference herein constitute the entire agreement between you and us and govern your use of the Service, superseding any prior agreements between us.
Severability
If any provision of these Terms of Service is found by a court or other binding authority to be invalid, the remaining provisions shall continue in full force and effect.
In this E-Sign Consent, the following definitions apply: (i) "You" and "your" refer to you, the User; (ii) "We," "us," and "our" refer to the Site operator and its affiliates (including, without limitation, Texas Insurance Ratings, LLC.), agents, successors and assigns. By clicking the "I agree" button, which you adopt as your electronic signature, you consent and agree that:
We can provide you disclosures required by law, and other information about your legal rights and duties, electronically.
At any time, you can update the email address to which we will send alerts that Disclosures are available. You can change your email address by contacting us at: Service@TexasInsuranceRatings.com
By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you. When we send you an email or other electronic notification alerting you that Disclosures are available electronically and we do in fact make them available online, that shall have the same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures electronically. You understand and agree that Disclosures are considered received by you within 24 hours of the time posted to our website, or within 24 hours of the time emailed to you unless we receive notice that the e-mail address is invalid.
You understand and agree that we reserve the right to cancel this electronic Disclosure service, change the terms of use of this service or send Disclosures in paper form at any time.
You understand and agree that we are responsible for sending notice of the Disclosures to you electronically including at the email address you have provided, but are not responsible for any delay or failure in your receipt of the email notices.