- Services Available on the Site. Via the Site, we provide a service by which consumers only may
apply to receive NJPAIP insurance quotations from our network of NJ
PAIP Certified Insurance agents or producers and or other service
providers. Our purpose is to provide valuable information that
individuals can use to make their own decisions about insurance
matters. Once you provide us with the information needed to complete
a quote we will attempt to provide you with appropriate assistance.
We do not issue insurance contracts. We do not endorse or recommend
any companies or insurance policies, and we do not provide
insurance, tax , legal or financial advice. We do not guarantee
that any of the insurance producers, to whom we forward your quote
will be able to contact you or agree to provide assistance. We are
not responsible in any way for the conduct of the insurance producer
or representatives of, and or services that are matched with your
on-line quote request. If you would like personal advice or specific
recommendations, you should consult with a njpaip certified
insurance producer, which we will try to locate for you, or other
qualified professional.
We reserve the right, for any reason, in our sole discretion, to
terminate, change, suspend or discontinue any aspect of the Site,
including, but not limited to, content, features or hours of
availability, quote referrals, or our non legal generic insurance
information, which you agree is incidental. We may also impose
limits on certain features of the Site or restrict your access to
part or the entire Site without any notice.
There is no charge to you for use of the Site as it is a free
resource designed to help you.
- Proprietary Rights.
As between you and the Site Owner, which owns, solely and
exclusively, all rights, title and interest in and to the Site, all
the content, code, data and materials, the look and feel, design and
structural organization of the Web Site, and the compilation of the
content, code, data and materials on the Site, including but not
limited to all intellectual property and proprietary rights therein.
Your use of the Site does not convey to you ownership of any
content, underlying code, metadata, content data or materials you
may access on the Site. Any commercial use or exploitation of the
Site is strictly prohibited. You may view the content on the
Site on your personal computer or other internet device, and make
single copies or prints of the content on the Site for your
personal, non-commercial use only. You may not otherwise copy,
reproduce, distribute or otherwise exploit any content, code, data
or materials on the Site. If you make other use of the Site, except
as otherwise stated above, you may violate copyright or trademark
and or other laws of the United States of America, other countries,
as well as applicable state laws and may be subject to liability for
such unauthorized use. We do not grant any license or other
authorization to any user of our trade names, trademarks, service
marks or other marks or logos without our separate express written
agreement.
- User Submissions. In
the use of the Site, you may be asked to provide, or you may provide
on your own inclination, information or materials to us. Submissions
include, for example, information you submit to us via our
quote form to receive
helpful quotations. Your Submissions also include information and
materials you submit to us via other on-line forms on or from the
Site, by e-mail, or in any other manner via the Site. Our
information collection and use policies with respect to the privacy
of personal information are set forth in the Site's Privacy Policy
which is incorporated herein by reference for all purposes. Please
read our Privacy Policy before submitting any Submissions. You
acknowledge and agree that you are solely responsible for the
accuracy and content of the your Submissions. We cannot be
responsible for maintaining any Submissions that you provide to us,
and we may delete or destroy any such Submissions at any time. We
reserve the right to refuse to post or to remove any Submissions, in
whole or in part, that, in our sole discretion, are unlawful,
unacceptable, undesirable, inappropriate or in violation of these
Terms and Conditions.
- User Conduct. You
hereby warrant and therefore agree that, while using the Site, you
will not upload, post or transmit to or distribute or otherwise
publish through the Site any materials that: (a) are protected by
copyright, or other proprietary or intellectual property right,
without first obtaining permission from the proprietary or
intellectual property rights holder; (b) are unlawful, threatening,
harassing, profane, tortuous, defamatory, vulgar, obscene, libelous,
deceptive, fraudulent, contain explicit or graphic descriptions or
accounts of sexual acts (including but not limited to sexual
language of a violent or threatening nature directed at another
person or group including the plan administrator, state government,
or state insurance departments ), invasive of another's privacy or
hateful, (c) inhibit any other user from using and benefiting from
the Site, (d) initiate or encourage conduct or actions that would
constitute a criminal offense or give rise to civil liability, or
(e) contain a virus or other harmful component, advertising of any
kind, or false or misleading indications of origin or statements of
fact.
You also hereby warrant and agree that you shall not: (a)
impersonate any person or entity or misrepresent your affiliation
with any other person or entity; (b) upload, post, publish,
transmit, reproduce, distribute or in any way exploit any
information or other material obtained through the Site for
commercial purposes; (c) engage in spamming, harvesting of e-mail
addresses or other personal information, or any other activity with
the purpose of obtaining lists of users or other information, or (d)
attempt to gain unauthorized access to other computer systems
through our Site. You agree that you will not use the Site in any
manner that could damage, disable, overburden, or functionally
impair our Site or interfere with any others use and benefit derived
from our Site.
You agree to defend, indemnify and hold the Site Owner and its
directors, officers, employees, agents and or affiliates harmless
from any and all claims, liabilities, costs and expenses, including
reasonable attorneys' fees, arising in any way from your use of our
Site. If you cannot agree to these terms and conditions, please do
not use our Site.
- DISCLAIMER OF WARRANTIES. THE SITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT,
FUNCTIONS AND MATERIALS, IS PROVIDED "AS IS," "AS AVAILABLE",
WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING,
WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA
PROCESSING SERVICES, OR UNINTERRUPTED ACCESS, ANY WARRANTIES
CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF
INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT,
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY
DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT
WARRANT THAT THE SITE OR THE SERVICES, CONTENT, FUNCTIONS OR
MATERIALS CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR
ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY
THAT THE SITE WILL MEET USERS' REQUIREMENTS. NO ADVICE, RESULTS OR
INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR
THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE
HEREIN. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS
TO DISCONTINUE USING THE SITE. YOU SHOULD NOT RELY ON THE SITE TO
MAINTAIN ANY SUBMISSION; YOU SHOULD RETAIN ALL SUCH DATA AND
INFORMATION IN YOUR OWN RECORDS FOR USE IN THE EVENT THAT THE SITE
FAILS OR IS UNAVAILABLE, OR THE DATA OR INFORMATION IS LOST.
- LIMITATION OF LIABILITY. IN NO EVENT SHALL THE SITE OWNER, WEBMASTER, OR ANY OF ITS
DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR
SERVICE PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL,
INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING
FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE
INABILITY TO USE, THE SITE OR THE CONTENT, MATERIALS AND FUNCTIONS
RELATED THERETO, OR ANY APPLICATIONS, INCLUDING, WITHOUT LIMITATION,
LOSS OF CURRENT COVERAGE, OR ANTICIPATED OR UNANTICIPATED LOST
COVERAGES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE SITE OWNER,
WEBMASTER, OR PERMISSIVE DATA RECIPIENTS BE LIABLE FOR OR IN
CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR
RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH
THE SITE.
- Links from and to the Site. You acknowledge and agree that we have no responsibility nor
liability for the accuracy or availability of information provided
by Web sites to which you may link from the Site. Links to Linked
Sites do not constitute an endorsement by or association with or
from us of such sites or the diverse nature of the content,
products, advertising or other materials presented on such sites. We
do not author, edit, or monitor these Hyper Linked Sites. You
acknowledge and agree that we are not responsible or liable,
directly or indirectly, for any damage or loss caused or alleged to
be caused by or in connection with use of or reliance on any such
content, goods or services available on such Hyper Linked Sites.
- Applicable Laws. We
control and operate this Site from our offices in the United States
of America. We do not represent that materials on the Site are
appropriate or available for use in other locations. Persons who
choose to access this Site from other locations do so on their own
initiative, and are responsible for compliance with local laws, if
and to the extent local laws are applicable.
- Miscellaneous. You
agree that any use of action that may arise under the Terms and
Conditions shall be commenced and be heard in the appropriate court
in the State of New Jersey. You agree to submit to the personal and
exclusive jurisdiction of the courts located within the State of New
Jersey. Our failure to exercise or enforce any right or provision of
the Terms and Conditions shall not constitute a waiver of such right
or provision. If any provision of the Terms and Conditions is found
by a court of competent jurisdiction to be invalid, the parties
nevertheless agree that the court should endeavor to give effect to
the parties' intentions as reflected in the provision, and the other
provisions of the Terms and Conditions remain in full force and
effect. You agree that regardless of any statute or law to the
contrary, any claim or cause of action by you arising out of or
related to use of the Site or the Terms and Conditions must be filed
by you within six months after such claim or potential cause of
action arose or be forever barred.