terms
& conditions
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The following
terms and conditions of use govern your use of the Quick Low
Quotes site. The Site is made available by Quick Low Quotes (the "Site
Proprietor" or "we"). If you do not agree to
these Terms and Conditions, you may not access or otherwise use
the site. We may change the Terms and Conditions from time to
time, and at any time without notice to you, by posting such
changes. By using the Site following any modifications to the
Terms and Conditions, you agree to be bound by any such modifications
to the Terms and Conditions.
You may only use the Site if you are a resident of the United
States and you are 18 years old or older.
We provide a service by which consumers can apply to receive insurance
or discount program quotations from insurance agents, brokers,
discount program representatives and other service providers. We
provide valuable information that can help individuals make their own
decisions about insurance and discount programs. Once you provide
us with the information via our online applications, we will match
you with appropriate insurance agents, brokers, discount programs
or other companies.
We do not issue any insurance contracts or binding coverage. We
do not endorse any insurance companies or policies, and we do not
provide advice regarding insurance, tax or financial. We do not
guarantee that any of the insurance agents, brokers and/or companies
to whom we forward your application will contact you or agree to
provide you coverage. We are not responsible for the conduct of
the insurance agents, brokers, and companies that matched with
your on-line application. If you would like personal advice or
policy recommendations, we advise you to consult with an insurance
agent, broker, or other qualified professional.
We reserve the right, for any reason, in our sole discretion, to
terminate, change, suspend or discontinue any aspect of this site,
including content, features or hours of availability. We may limit
certain sections of the site or restrict access to part or the
entire Site without notice or penalty.
There is no charge to you for use of the site.
As between you and the Site Proprietor, the site
Proprietor owns, solely and exclusively, all rights, title and interest in
and to the site, all the content, code, data and materials therein, the look
and feel, design and organization of the Site, and the compilation of the content,
code, data and materials in the Site, including all intellectual property and
proprietary rights therein. Your use of the site will not grant to you ownership
of any content, code, 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
of the site on your personal computer or other internet-compatible device,
and make copies or prints of the content on the Site for your personal use
only. You may not otherwise copy, reproduce, distribute or otherwise exploit
any content, code, data or materials on the site. If you make any other use
of the site, you may violate copyright and other laws of the United States and
other countries, as well as applicable state laws and may be subject to liability
for such unauthorized use. We do not grant any authorization to any user of
our trade names, trademarks, or logos without our separate express written
agreement. Third party marks are the property of their respective owners.
In the course of your use of the Site, you may be
asked to provide information or materials to us. User submissions
include, for example, information you submit to us via your application
to receive insurance quotations. User submissions also include
information and materials you submit to us via other on-line forms
on the Site, through e-mail, or in any other manner. Our information
collection and user policies with respect to the privacy of personal information,
are set forth in the Quick Low Quotes’ Privacy
Policy which is incorporated herein by reference for all
purposes. Please read our Privacy Policy before submitting
any personal or non-personal information. You acknowledge and
agree that you are solely responsible for the accuracy and
content you submit. We cannot be responsible for maintaining
any user submissions that you provide to us, and we may delete
or destroy any such user submissions at any time. We reserve
the right to refuse to post or to remove any user submissions,
in whole or in part, that, in our sole discretion, are unlawful,
unacceptable, undesirable, inappropriate or in violation of
these Terms and Conditions.
If you submit a testimonial to us about how the site has
worked for you, such testimonial will be deemed not to be confidential, and
may be used by us in any manner. By submitting or sending a testimonial to
us, you agree that the testimonial is original to you, and you grant us a
royalty-free, unrestricted, worldwide, perpetual, irrevocable, non-exclusive
and fully transferable, assignable and sub-licensable right and license to
use, reproduce, publish, distribute, display, translate, summarize, modify
and adapt such testimonial (in whole or part) and/or to incorporate it in other
works in any form of media or technology now known or later developed, in our
sole discretion, with or without your name.
You warrant and agree that, while using
the Site, you shall post or transmit to or distribute are protected
by copyright, or other proprietary or intellectual property right,
without first obtaining permission from the proprietary or intellectual
property rights holder; are unlawful, threatening, harassing,
profane, tortious, 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 individual
or group of individuals), invasive of another's privacy or hateful,
restrict or inhibit any other user from using and enjoying the
Site, constitute or encourage any conduct that would constitute
a criminal offense or give rise to civil liability, or contain
a virus or other harmful component, advertising of any kind,
or false or misleading indications of origin or statements of
fact.
You also warrant and agree that you will not impersonate any
person or entity or misrepresent your affiliation with any other
person or entity; post, publish, transmit, reproduce, distribute
or in any way exploit any information or other material obtained
through this site for commercial purposes; engage in spamming,
flooding, harvesting of e-mail addresses or other personal information,
spidering, "screen
scraping," "database scraping," or any other activity
with the purpose of obtaining lists of users or other information,
or send chain letters or pyramid schemes via the Site; or attempt
to gain unauthorized access to other computer systems through
the Site. You agree that you will not use the Site in any manner
that could damage, disable, overburden, or impair Quick Low Quotes
or interfere with any other party's use and enjoyment of the
Site. You may not obtain or attempt to obtain any materials or
information through any means not intentionally made available
or provided for through the Site.
You agree to defend and hold the site proprietor and its directors,
officers, employees, agents and affiliates harmless from any
and all claims, liabilities, costs and expenses, including reasonable
attorneys' fees, arising in any way from your misuse of the Site,
your placement or transmission of any message, content, information,
software or other materials through the Site, or your breach
or violation of the law or of these Terms and Conditions.
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 USER 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.
IN NO EVENT SHALL
THE SITE PROPRIETOR OR ANY OF ITS DIRECTORS, OFFICERS,
EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE
PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES")
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 REVENUE,
OR ANTICIPATED PROFITS OR LOST BUSINESS OR LOST SALES, EVEN IF
SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF
SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR
EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES SO SOME OF THE ABOVE
LIMITATIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL
THE PROTECTED ENTITIES 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.
You acknowledge and agree
that we are not responsible 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 our association with such sites or the content, products,
advertising or other materials presented. We do not author, edit,
or monitor these 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 Linked Sites.
We control and operate this site from
our offices in the stated of Maryland 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.
The Terms and Conditions and the relationship
between you and us shall be governed by the laws of the State
of Maryland without regard to its conflict of law provisions.
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 Maryland. You agree to submit to the personal
and exclusive jurisdiction of the courts located within the State
of Maryland. 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
one (1) year after such claim or cause of action arose or be
forever barred.
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