Terms of Use

Terms of Use

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.

These Terms and Conditions (“Terms and Conditions” or “Agreement”) apply to all: (a) transactions between you and www.CheapInsuranceTips.com (“CIT”), including all transactions through the www.CheapInsuranceTips.com website (collectively, the “Products”); (b) your access to and use of the websites located at www.CheapInsuranceTips.com (the “Product Website”); and (c) your access to and use of credit resources, text, pictures, graphics, logos, button items, icons, images, works of authorship and other information and all revisions, modifications, and enhancements thereto (the “Content”). By accessing, browsing, or otherwise using CIT, you acknowledge that you have read, understand, and agree to be bound by these Terms of Use; that you agree to comply with all applicable laws and regulations governing this Website, and that you are at least eighteen (18) years old or that you have the permission of your parent or guardian to use this Website.

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.

If you have any questions about these Terms of Use, please contact:

Cheap Insurance Tips Limited Partnership
1685 H avenue unit 1129
Blaine, WA,98230
Email: info@cheapinsurancetips.com

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.

PROPRIETARY RIGHTS

You acknowledge and agree that all materials, information, and Content, including but not limited to text, logos, pictures, graphics, software, products, materials, services and other files available on this Website, and the selection and arrangement thereof, are protected by copyrights, trademarks, service marks, patents, trade secrets, and/or other proprietary rights and laws and that all right, title and interest in and to all Content are owned by CIT and/or its licensors. You may not “mirror” any Content contained on this Website on any other server without prior written permission from CIT and may not engage in raming any Content contained on this Website on or through another Website without prior written permission from CIT. You may not reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any Content, use of this Website and/or access to this Website. Use of Content for any purpose not expressly permitted in these Terms of Use without first obtaining the express written permission of CIT is prohibited.

ARBITRATION

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.

PERSONAL INFORMATION

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.

REVIEW AND RECEIPT OF PRIVACY POLICY

By submitting your order or quote request, you acknowledge receipt of our Privacy Policy and agree to its terms. All personally identifiable information used, transmitted, collected and/or stored by CIT shall be governed by CIT Privacy Policy available at www.CheapInsuranceTips.com.

ON-LINE REQUIREMENTS

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

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE PRODUCTS, PRODUCT WEBSITES AND CONTENT IS AT YOUR SOLE RISK. THIS WEBSITE, INCLUDING ALL CONTENT WITHIN THIS WEBSITE ARE PROVIDED “AS IS” AND S AVCITABLE FOR YOUR PERSONAL USE, AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, QUIET ENJOYMENT, TITLE, DATA ACCURACY, SYSTEM INTEGRATION, AND INFORMATIONAL CONTENT. CIT AND ITS LICENSORS DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE OPERATION OF THIS WEBSITE, THE USE, VALIDITY, ACCURACY OR RELIABILITY OF, OR THE RESULTS OF THE USE OF THE CONTENT OR THIS WEBSITE OR ANY OTHER WEBSITES LINKED TO THIS WEBSITE, INCLUDING BUT NOT LIMITED TO REPRESENTATIONS AND WARRANTIES THAT THE CONTENT IS ACCURATE, RELIABLE, OR CORRECT OR THAT IT WILL MEET YOUR NEEDS OR REQUIREMENTS; THAT THIS WEBSITE WILL BE AVCITABLE AT ANY PARTICULAR TIME OR LOCATION; OR THAT THIS WEBSITE AND THE CONTENT AND SOFTWARE CONTAINED THEREIN ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE MATERIALS ON THIS WEBSITE MAY BE OUT OF DATE, AND CIT MAKES NO COMMITMENT TO UPDATE THE MATERIALS OR CONTENT ON THIS WEBSITE. CIT DOES NOT AND CANNOT GUARANTEE OR WARRANT THAT THE FILES AVCITABLE FOR DOWNLOADING FROM THE SITE, IF ANY, WILL BE FREE FROM INFECTION, VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. CIT DOES NOT WARRANT THAT THE WEBSITE, SOFTWARE RELATED TO SAME, OR THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT ANY DEFECTS IN THESE SITES, SOFTWARE, AND CONTENT WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CIT SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU, EXCEPT THAT CIT LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

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.

TRADEMARKS

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.

COPYRIGHTS

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.

You warrant and represent that you own or otherwise control all of the rights in and to the Content you post or submit to this Website, or are otherwise authorized to reproduce and distribute such Content and grant CIT the license provided above; that you have retained all copyright and other notices necessary for obtaining permissions to reprint any third party Content you post or submit to this Website; and that public posting and/or the licensed use of such Content by CIT will not infringe or violate the rights of any third party. You hereby waive all rights to any claim against CIT for any alleged or actual infringements of any proprietary rights, rights of privacy and publicity, moral rights, and rights of attribution in connection with your posting or submission of Content to this Website and you acknowledge that by posting or submitting Content to this Website, no confidential, fiduciary, contractually implied or other relationship is created between you and CIT other than pursuant to these Terms of Use.

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.

INDEMNIFICATION

You agree to defend, indemnify, save and hold harmless CIT, its successors and assigns, related or affiliated organizations, licensees and licensors; and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorneys fees, which arise from your use or misuse of this Website or violation of these Terms of Use. CIT reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you shall cooperate with CIT in asserting any available defenses.

NOTICE OF CHANGES

CIT may update or change these Terms of Use. If such a change is made, CIT will post the revised Terms of Use on this Website. CIT reserves the right to add to, change, or terminate the services offered on this Website at any time. You understand and agree that CIT may from time to time establish and revise practices and limitations concerning your use of this Website and services offered on this Website. Your continued use of this Website after such changes have been posted shall constitute your acknowledgement and acceptance of the amended Terms of Use.

TERMINATION

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:

  • breaches or violations of the Terms of Use or other incorporated agreements or guidelines,
  • 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

Without limiting the generality of the CIT Privacy Policy, you acknowledge, consent and agree that CIT may monitor, access, preserve, and disclose your use of this Website, account information and any Content submitted or posted to this Website if required to do so by law, by subpoena or court order, or in a good faith belief that such access preservation or disclosure is reasonably necessary to:

  • comply with legal process,
  • enforce these Terms of Use,
  • 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

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Colorado, excluding its conflicts of law principles. You expressly agree that the exclusive jurisdiction for any claim or action arising out of or relating to these Terms of Use or your use of this Website shall be the courts of and located in the City of Denver, Colorado, and you further agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action.

NO WAIVER

CIT failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision unless acknowledged and agreed to by CIT in writing. The section titles in these Terms of Use are solely used for the convenience of the parties and have no legal or contractual significance.

CURRENCY

All monetary amounts on this website refer to United States dollars unless otherwise indicated.

NO THIRD-PARTY BENEFICIARIES

You agree that, except as otherwise expressly provided in these Terms of Use, there shall be no third-party beneficiaries to this agreement.

ENTIRE AGREEMENT

These Terms and Conditions, the Privacy Policy, and other policies CIT may post constitute the entire Agreement between CIT and you in connection with your use of the Product Websites (if applicable), the Products, and the Content, and supersede any prior versions of the Terms and Conditions, if applicable. CIT may update these Terms and Conditions from time to time by posting revised Terms and Conditions on the Product Websites, or by mailing an updated copy to the most recent address you have provided to CIT, without notice to you, and your subsequent use of the Products, Product Websites, and/or Content is governed by those new Terms and Conditions. The Terms and Conditions are effective until terminated by CIT. In the event of termination, the Disclaimers and Limitations of Liability provisions set forth in these Terms and Conditions will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in the Product Websites or otherwise, these Terms and Conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions.

Last updated: July 19, 2013