Thank you for visiting and using this Website, [which term includes www.CheapInsuranceTips.com], which is hosted in the United States and owned and operated by Cheap Insurance Tips Limited Partnership, headquartered in Woodland Park, Colorado.
YOUR ORDER OF, USE OF, AND ACCESS TO, THE PRODUCTS, SERVICES, PRODUCT WEBSITES AND CONTENT ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ORDER OF, ACCEPTANCE OF, USE OF, AND/OR ACCESS TO, THE PRODUCTS, PRODUCT WEBSITES AND/OR CONTENT CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ORDER, USE OR ACCESS ANY PRODUCT, PRODUCT WEBSITE OR CONTENT, OR ANY OF THE INFORMATION WITHIN THE PRODUCT, PRODUCT WEBSITE, OR CONTENT, DISCARD THE PRODUCTS YOU RECEIVED IMMEDIATELY
This Agreement may be updated from time to time. Online customers should check the Product Websites regularly for updates to these Terms and Conditions. Each time you order, access or use any of the Products, Product Websites, and/or Content, you signify your acceptance and agreement, without limitation or qualification, to be bound by the then current Agreement.
Cheap Insurance Tips Limited Partnership
1685 H avenue unit 1129
USE OF THE PRODUCTS
In consideration of your order of, access to, and/or use of any Product, Product Website, and/or Content you agree to provide true, accurate, complete and current information about yourself and any minor children you are enrolling, or have enrolled, in any Product, when prompted to do so by the registration and application forms or requested to do so by CIT. By registering, you certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if CIT has reasonable grounds to suspect that such information is untrue, inaccurate or not current, CIT, at its sole discretion, has the right to suspend or terminate your order of, use of, and/or access to, any Product, Product Website and/or Content, and refuse all current or future orders of, use of, and/or access to, any Product, Product Website and/or Content, or suspend or terminate any portion thereof. Further, you agree that CIT will not be liable to you, your minor children or any third party if CIT suspends or terminates your order of, use of, or access to any Product, Product Websites or Content, or any portion thereof, for any reason.
YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU (OR ANY OF YOUR MINOR CHILDREN) AND CIT, AND ITS PARENTS, AFFILIATES, SUBSIDIARIES OR RELATED COMPANIES, INCLUDING BUT NOT LIMITED TO TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION IN DENVER, COLORADO. ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY STATE OR FEDERAL COURT HAVING JURISDICTION THEREOF. THIS ARBITRATION CONTRACT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT (“FAA”). NEITHER YOU (NOR ANY OF YOUR MINOR CHILDREN) NOR CIT SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL.
MODIFICATION OF PRODUCTS
CIT may, at its discretion, modify or discontinue any of the Products, Product Websites or Content, or any portion thereof, with or without notice. You agree that CIT will not be liable to you, your minor children or any third party for any modification or discontinuance of any of the Products, Product Websites or Content.
NOTICE OF PROSECUTION
For online customers, access to and use of password protected and/or secure areas of the Product Websites are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Product Websites may be subject to prosecution.
Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer credit report or disclosure under false pretenses may face criminal prosecution.
SECURITY MEASURES AND AUTHENTICATION
Because CIT uses security measures designed to protect your privacy and to safeguard your information, CIT may not always be able to successfully provide Products to you. You may not use someone else account without permission. When you are setting up your account, you must give us accurate and complete information. This means you cannot set up an account using someone else name or contact information (unless you are enrolling your minor children), or a fake name or fake contact information. You have complete responsibility for your account and everything that happens on your account. This means you need to be careful with your password. If you find out that someone is using your account without your permission, you must let CIT know immediately. You may not transfer your account to someone else. CIT is not liable for any damages or losses caused by someone using your account without your permission. However, if CIT (or anyone else) suffers any damage due to the unauthorized use of your account, you may be liable.
CIT may use your personal information to the extent necessary to process your order, secure auto insurance quotes for you and/or engage in business maintenance.
You must have an email address and a Java-compatible browser to receive your Products online. As an online customer, you are agreeing to receive all notifications via email at the email address on file with CIT. To ensure receipt of all notifications, you are obligated to update the email address on file when your email address changes.
DISCLAIMER OF WARRANTY BY CIT
LIMITATION OF LIABILITY
YOU UNDERSTAND AND AGREE THAT CIT WILL NOT BE LIABLE TO YOU (OR ANY OF YOUR MINOR CHILDREN) FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE PRODUCTS, PRODUCT WEBSITES, CONTENT OR MEMBERSHIP BENEFITS, OR FROM YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE UPON ANY LINKED WEBSITE (IF APPLICABLE), EVEN IF CIT HAS BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON CIT, THEN YOU AGREE THAT CIT’ TOTAL LIABILITY TO YOU (AND ANY OF YOUR MINOR CHILDREN) FOR ANY OR ALL OF YOUR LOSSES OR INJURIES (OR THOSE OF YOUR MINOR CHILDREN) FROM CIT ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO SMAI FOR THE PRODUCT(S) YOU PURCHASE FROM CIT.
NOT AN INSURANCE AGENT OR CONTRACT
CIT offers access to insurance companies for comparison quotes. CIT and its affiliates are not insurance agents, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either purchasing insurance, or acting as an insurance agent.
The quotes provided by way of this website, CIT, are subject to change and dependent on the insurer having all the information needed to sell you a policy. Pricing provided by way of this website are estimates for insurance based on the information you provide.
SPOUSE/ADULT CHILDREN NOT INCLUDED
CIT is not able to accept and process joint registration for two or more adults. Neither your spouse nor any other adult will be enrolled in any Product pursuant to your order.
You acknowledge and agree that CIT’ name, the CIT Logo, page headers and other CIT terms, phrases, graphics, logos, and icons are common law or registered trademarks, service marks, and/or trade dress of CIT (collectively “Marks”). You agree you will not use any such Content or Marks for any purpose without the appropriate prior written authorization. CIT Marks may not be used in connection with any product or service that is not CIT ‘s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits CIT. All other trademarks, product names, or logos not owned by CIT that appear on this Product Website are the property of their respective owners.
All Content included on this Product Website, such as text, graphics, logos, button items, icons, images, data compilation, is the property of CIT or its suppliers and is protected by United States and international copyrights laws. All software used on this site is the property of CIT or its software suppliers and is protected by United States and international copyright laws Reproduction of such content, in whole or in part, is prohibited without prior consent.
GRANT OF LICENSE
In the event you post or submit Content to this Website, you grant CIT, its partners, and related organizations, a perpetual, worldwide, royalty-free, non-exclusive license to use, copy, reproduce, display, perform, adapt, modify, publish, translate, transmit, distribute, have distributed, publicly perform, publicly display, and promote such Content, or any part thereof, with the right to sublicense same, in any and all formats now known or hereinafter used. You further hereby waive any and all rights you have or may hereinafter acquire in and to such Content.
LINKS TO/FROM OTHER WEBSITES
This Website may include links to other Websites. You acknowledge and agree that such links are provided for your convenience only and do not reflect any endorsement by CIT with respect to the provider of such linked Website or the quality, reliability or any other characteristic or feature of such linked website and CIT is not responsible in any manner (including without limitation with respect to any loss or injury you suffer) for any matter associated with the linked website, including without limitation, the content provided on or through any such linked Website or your reliance thereon. Additionally, websites not published by CIT that provide links to CIT ‘ Website may or may not be doing so with the knowledge and/or permission of CIT.
NOTICE OF CHANGES
CIT reserves the right, in its sole discretion, to terminate or otherwise restrict your account and/or access to all or part of this Website, with or without notice. Cause for such termination shall include, but not be limited to:
- requests by law enforcement or other government agencies,
- a request by you (self-initiated account deletions),
- discontinuance or material modification to this Website (or any part thereof),
- unexpected technical or security issues or problems,
- extended periods of inactivity, and/or
- engagement by you in fraudulent or illegal activities.
USE AND DISCLOSURE OF INFORMATION
- comply with legal process,
- respond to claims that any such Content violates the rights of third parties,
- respond to your requests for customer service, or
- protect the rights, property, or personal safety of CIT, its users, and the public.
CHOICE OF LAW, JURISDICTION AND VENUE
All monetary amounts on this website refer to United States dollars unless otherwise indicated.
NO THIRD-PARTY BENEFICIARIES
Last updated: July 19, 2013