Terms of Use

This is designed to help you understand what you can expect from us, what we expect from you, and how we’ll solve problems or disagreements that arise between us.

By using our service, you agree to the terms outlined here. If you have any questions about our Terms of Use, you can contact us.

We do not claim that our service is available or permitted in any particular location. Use of our service is void where prohibited.

Updates

We may post a new version periodically. We encourage you to review our Terms of Use to check for updates. When we do make updates, we’ll revise the date and notify you or post a message on our websites or service. Your continued use of our websites and service constitutes your agreement with these terms and any revisions or updates we make.

Privacy

Our Privacy Policy outlines the information we collect from you, why we collect it, how we use it, and how you can manage it. Our Terms of Use incorporates the Privacy Policy into this agreement by reference.


WHAT YOU CAN EXPECT FROM US

 

What we do

We provide a tool you can use to gather estimates and other information from individual insurance companies. Our service is controlled and operated by us from within the United States. We may impose limits on the use or access to our service as required by law.

What we don’t do

We are not an insurance underwriter and have no control over the underwriting process. Any quote and/or comparisons provided are furnished by individual insurance companies and are subject to change without notice. The quotes presented are based on information you have given us. A quote should not be construed as a commitment from an individual insurance company to issue that policy or any other policy to you. The individual insurance company will review your application, along with information it gathers from other sources. To purchase a policy, you must enter into a formal agreement with the individual insurance company. Based on its analysis, the insurance provider will determine the premium to charge you. This underwriting process may result in higher or lower premiums than the quote you saw on our tool.

We are not responsible for the availability of these services or offerings, including any products or services you may obtain as a result of your use of our tool.

We make no guarantees regarding the rates, quotes, terms, fees, coverage or services offered or made available by individual insurance companies. We don’t guarantee that rates, quotes, terms, fees, coverage or services offered by individual insurance companies are the best available. We do not validate or investigate the certification, licensing, or other qualifications or requirements of insurance companies. It is your responsibility to investigate the insurance companies.

The insurance companies are responsible for any products or services they provide to you and we are not liable for any costs, damages, losses, or claims in connection with, arising from, or related to your use of an insurance company’s products or services.

We don’t charge fees to use our tool. Insurance carriers and providers may compensate us when a user of our tool engages with them, however.


WHAT WE EXPECT FROM YOU

 

Honesty

The information you provide to us must be current, accurate, supportable, true, and complete. If not, it will affect how useful our tool is to you. By submitting your information, you are providing “written consent” in accordance with the Fair Credit Reporting Act, to obtain your consumer credit report and credit score from one of three national credit bureaus: TransUnion, Experian, or Equifax. Additionally, this credit report and credit score may be used to match you with products and services offered by our service providers.

Respect

You cannot copy any content contained within our service without our written consent. None of the content may be reproduced, distributed, used, downloaded, displayed, published, or transmitted in any form or by any means without our prior written consent. The content of our service is protected by law, including trademark law, United States copyright law, and applicable international treaties.

You are responsible for compliance with any applicable laws regarding the use of our tool.

HANDLING PROBLEMS OR DISAGREEMENTS

According to our terms, you and we give up any right to have disputes decided by a judge or a jury and agree to resolve those disputes through binding individual arbitration. The rights you would have if you went to court, such as discovery or the right to appeal, may be more limited or may not exist.

Additionally, you can only bring a claim as an individual, not as a class member, and the arbitrator cannot consolidate proceedings or claims or otherwise preside over any form of a class proceeding.

Applicability of arbitration agreement

All claims and disputes that cannot be resolved informally or in small claims court will be resolved by binding arbitration on an individual basis.

This applies to you and us, as well as, any subsidiaries, affiliates, employees, agents, or successors.

If any part or parts of the arbitration agreement are found to be invalid or unenforceable by a court of competent jurisdiction, then such specific part or parts will be removed and the remainder of the agreement will continue in full force and effect.

Notice requirement and informal dispute resolution

Before either party can seek arbitration, the party must first send to the other party a written notice by certified mail return receipt requested describing the nature and basis of the claim or dispute, and the requested relief.

A notice to us should be sent to:

Attention: Bond Legal

Bond Insurance Brokerage Inc.

1270 Avenue of the Americas

8th Floor

New York, NY 10020


With a copy by email to evf.clllc@gmail.com.

Any Notice to you shall be at the address you have provided to us.

After the notice is received, the two parties may attempt to resolve the claim or dispute informally. If the party initiating the arbitration and Bond do not resolve the claim or dispute within 30 days after the notice is received, either party may begin an arbitration proceeding.

The amount of any settlement offer made by any party may not be disclosed to the arbitrator until after the arbitrator has determined the amount of the award, if any, to which either party is entitled.

Arbitration rules

Arbitration will be initiated through the American Arbitration Association (“AAA”), an established alternative dispute resolution provider. If AAA is not available to arbitrate, the parties will agree to select an alternative ADR provider. The rules of the ADR provider will govern all aspects of the arbitration, including but not limited to the method of initiating and/or demanding arbitration, except to the extent such rules are in conflict with our terms.

The AAA Consumer Arbitration Rules governing the arbitration are available online at adr.org or by calling the AAA at (800) 778-7879. The arbitration must be conducted by a single, neutral arbitrator. In the event Bond prevails in any dispute, you agree to pay the costs of the arbitration and Bond’s attorney’s fees. Bond shall be a prevailing party if its interests are advanced by any settlement.

Any claims or disputes where the total amount of the award sought is less than Ten Thousand U.S. Dollars (US $10,000.00) may be resolved through binding nonappearance-based arbitration, at the option of the party seeking relief.

For claims or disputes where the total amount of the award sought is Ten Thousand U.S. Dollars (US $10,000.00) or more, the right to a hearing will be determined by the Arbitration Rules.

Any hearing will be held in a location within either the State and County of New York or the State of Florida, Palm Beach County (the “Jurisdiction”). Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

Additional rules for nonappearance-based arbitration

If nonappearance arbitration is elected, the arbitration will be conducted by telephone, online and/or based solely on written submissions; the specific manner will be chosen by the party initiating the arbitration. Neither party will be permitted to make a personal appearance.

Authority of arbitrator

If arbitration is initiated, the arbitrator will decide the rights and liabilities, if any, of the two parties. The arbitrator will have the authority to grant motions dispositive of all or part of any claim. The arbitrator will have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the AAA Rules, and our terms.

The arbitrator will issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award will be final and binding.

Emergency relief

Either party may seek emergency equitable relief before a state or federal in the Jurisdiction court in order to maintain the status quo pending arbitration. A request for interim measures will not be deemed a waiver of any other rights or obligations under this agreement.

Courts

In any circumstances where the foregoing agreement permits the parties to litigate in court, the parties agree to submit to the personal jurisdiction of the courts located in the Jurisdiction for such purpose.

This arbitration agreement, which is deemed jointly prepared, will survive the termination of your relationship with us. If you do not agree with any of these terms, you may opt out by closing the website.  This agreement cannot be changed verbally. There are no representations other than those contained in this Agreement, which represents the entire understanding between us.