Terms and Conditions
2. Links to Third Party Sites
The site contains links to third party websites "Third Party Sites". FIR does not endorse and has no control over the content of Third Party Sites. FIR makes no warranties or representations about the content of any products or services offered by or the intellectual property compliance of such Third Party Sites. You further acknowledge and agree that FIR is not responsible or liable, either directly or indirectly for any damage or loss caused or alleged to be caused by or in connection with Third Party Sites.
3. Links to Free Insurance Report.com
To avoid misunderstandings regarding the use of the Free Insurance Report.com names, trademarks, service marks, domain names and other proprietary information, Third parties are authorized to direct a browser to the Site home page at http://www.freeinsurancereport.com. Insurance Agents may provide a link from their website to their Free Insurance Report.com agent page. Third parties do not have any rights to include links from their website to any other page maintained on the Site unless they receive prior written permission from FIR or unless the Linking Site is an Internet search engine.
You may not (i) frame or otherwise impose editorial comment, commercial material or any type of identification on ( or in proximity to ) content included on the site, (ii) alter or modify content, or (iii) cut and past or otherwise reproduce content on the linking site.
FIR makes no representation or warranties regarding the Site, which is provided "As Is". Linking sites link to the Site at their own risk. FIR has no obligation to maintain the site, provide or update content or otherwise support your link to the Site.
FIR may revoke this license immediately with or without cause or notice to you.
The Free Insurance.com name and associated logos, and combinations of the foregoing are the exclusive property of Free Insurance Report.com. All other trademarks, service marks, trade names, logos, and icons, registered or not, are the property of FIR, or of third parties and used with the consent of the respective owner(s). Other materials, including video, sound recordings and images, on this web site are a copyright of or proprietary to FIR or are used with the consent of the owner(s). The contents of this site are protected by copyright, trademark or other intellectual property laws of the U.S. or in some instances, foreign laws. Unauthorized use may violate copyright, trademark and other laws.
Subject to this Agreement, FIR grants you a limited right and license to use the content one personal computer and solely for your personal, non-commercial use. You may not revise or modify Content nor may you alter or remove any proprietary notices included in the Content. Except as expressly provided herein, you shall not (i) use any portion of the Site or Content, on any other website, in the source code of any other website, or in any printed or electronic material, (ii) modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute or otherwise use any portion of the Site or frame this Site within any other website, without our prior written permission, (iii) reverse engineer, reverse assemble, decompile or otherwise attempt to discover any source code of the Site and/or the content. We reserve the right to block your use of the Site and cancel any memberships or subscriptions for violation of any of these rules.
5. How we work
FIR is not an Insurance Agency and is not licensed to sell insurance. FIR does not provide insurance quotes to the consumers but pairs the consumers with local insurance agents. After you submit a quote your information is submitted to local insurance agents who then post your quote on the Free Insurance Report.com website where you can watch the results as they come in. In the event we do not have an agent in your territory we will on a best efforts basis find the next closest agent(s) to you and reserve the right to pass your information on to one of your third party agent networks to ensure that you receive as many quotes as possible.
FIR does not charge the consumers a fee for our service, rather the insurance agents pay FIR a fee to purchase territories and leads. FIR is not an agent of you, the insurance company or the insurance agents; we do not recommend any particular insurance agent, insurance company or any type of insurance. We recommend you research each agent and policy before making a decision to purchase insurance. We cannot guarantee that you will receive any quotes.
By submitting a quote request, you authorize FIR to provide your information to insurance agents, both local and National. You also authorize FIR to provide your information to our third party agent networks in the event that there are no local agents in your territory. By submitting a quote request, you acknowledge that FIR's service requires that the agents may obtain a consumer report or credit score from a consumer report agency as part of the underwriting process. Where permitted by law, some insurance companies or their agents may confirm your information through the use of consumer reports, which may include credit score and driving record.
You understand that you are extending an express invitation for insurance agents to contact you by any means provide on your quote request, including your phone numbers and email addresses. If you choose to purchase a policy from an agent, any further communications with that agent are not covered under these Terms.
6. Personally Identifiable Consumer Information & Financial Information
Personally identifiably consumer information collected to process leads may include, but is not limited to, contact information; name, mailing and garaging address, telephone number, fax number and/or email address; information relating to driving license, record and prior insurance history; and such contact information of additional insured's, if any. Financial information is collected only from participating agents, brokers and other qualified insurance professionals on our network. Such information is not shared with anyone outside of FIR, except the merchant bank for the processing of credit card orders, and as otherwise provided herein.
FIR may use information supplied by you to deliver information to you that may be of interest to you or your customers, such as banners, new services and promotions. We may ask you to provide additional information regarding your personal or business interests, experience or requests, which we may use to customize our service for you. We may also use or disclose information to resolve disputes, investigate problems, or enforce agreements between you and FIR. We may disclose or access information, whenever we believe in good faith that a law, statute, ordinance, rule, or judgment so requires; if we, within our sole discretion, otherwise consider it necessary to disclose or access such information to maintain and improve our services; or if we believe, in good faith, that such release is reasonably necessary to enforce or apply the terms of any of our user agreements or protect the rights, property or safety of FIR, our customers or third parties. Users can contact FIR to remove certain information from our databases and opt out of future solicitations from us, or to change or modify any information previously provided to us. All disclosures of information by FIR shall be to the extent permitted by law.
FIR does not intentionally target anyone under the age of 16. Our sites and services are not directed toward people under the age of 16, nor do we knowingly collect information from individuals under the age of 16. Individuals between the ages of 16 and 18 are grated permission to use our Sites only with the permission of their parent or guardian.
8. Rules of Conduct:
The site may include areas that allow end-users to participate in forums such as chat rooms and message boards. FIR adopted the following rules of conduct in order to assure that end-users who participate in these forums do so in a lawful and appropriate manner. All information, email, text, graphics, software, message or other materials "User Materials" whether publicly posted or privately submitted by end-users are the sole responsibility of the sender. You are solely responsible for any user materials that you upload, transmit, post send, email or otherwise make available via the site. We are not liable for any User Materials or for any errors or omissions in User Materials or for any loss or damage incurred as a result of the use of any User Materials made available on the site. We may, but are not obligated to, monitor User Materials and we reserve the right, in our sole discretion, block refuse or remove any User Material from the site without notice.
By transmitting, posting, emailing, uploading or otherwise making User Materials available on or via the Site, you represent and warrant to FIR that you have all right, title and interest in and to such User Materials and grant FIR a perpetual, irrevocable, world-wide royalty free, right and license to use the User Materials in connection with the Site and FIR services. FIR reserves the right, in its sole discretion, to disclose to third parties, including law enforcement authorities, relevant information about a communication, including but not limited to, the senders name, account information, member and cookie numbers, transmission data, past and subsequent service use and any other information deemed necessary by FIR. These disclosures may be made with or without prior notice to sender. By using this site you irrevocably consent to such disclosures.
9. Contests and Sweepstakes
10. Accounts and Passwords and Security
Certain features or services offered on or through the Sites may require you to create an account (including user ID and password) You are entirely responsible for maintaining the confidentiality of your account information, including your password, and for any and all activity that occurs under your account. You agree to notify FIR immediately of any unauthorized use of your account or password or any other breach of security. You may not use anyone else's logon information, password or account at any time without the express permission and consent of the holder of that account information. FIR cannot and will not be liable for any loss or damage arising from your failure to comply with these obligations.
FIR is not responsible for any errors or delays in matching your quote request or in the delay in receiving quotes with local agents. We are also not responsible for any quotes agents may provide you, the coverage they provided or the accuracy of any of the quotes. We do not may any warranty as to the results that may be obtained from use of the site or as to the accuracy, reliability, completeness or content of any information, service or merchandise provided through the site.
We make no representations or warranties with respect to the site the services you may obtain through the site or the content which are provide "As Is' and on an "As Available" basis. Your use of this site is at your sole risk.
12. General Provisions
FIR reserves the right to deny or block access to the Site to anyone at any time and to terminate this Agreement at any time without notice, in its sole discretion. At any time without prior notice FIR may immediately terminate your access to the Site for (1) breach of this agreement, (2) request by law enforcement or other government agency (3) discontinuance or material modification of the site or any part thereof, (4) unexpected technical or security issues or problems. You agree that FIR may terminate your use of the site for cause in its sole discretion and FIR is not liability to you are any third party for termination of your access to the site.
You agree to defend, indemnify and hold FIR, its affiliates, and their respective employees, directors, officers, partners, trustees, contractors and other third parties assisting in the operation of the site, harmless from and against all claims, liability and expenses, including attorney's fees, that may arise from your use of the site and/or content, any accounts set up in connection with the site, user materials violation of the rights of others and/or breach of this agreement.
13. Exclusion of Liability
To the fullest extent permitted by applicable laws we, on behalf of our employees, agents, suppliers and contractors exclude and disclaim liability for any losses and expenses of whatever nature and howsoever arising including , without limitation, any direct, indirect, special, punitive or consequential damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if we have been advised of the possibility of such damages or losses, arising out of or in connection with the use of the sites or any website with which they are linked. This exclusion/limitation of liability applies whether the alleged liability is based on contract, negligence, tort, strict liability or any other basis. Some jurisdictions do not allow the exclusion of implied warranties or certain kinds of limitations or exclusions of liability, so the limitations and exclusions set out in these Terms may not apply to you.
14. Applicable Laws and Jurisdiction
This agreement will be governed and construed in accordance with the laws of the state of California. By accessing, and/or using the Site you accept this Agreement and agree that all matters arising from or relating to the use and operation of the Site will be heard and resolved in the courts of Orange County, California. In addition, you consent to personal jurisdiction of such courts, and covenant not to assert any objection to proceedings in such courts. A printed version of this Agreement with respect to the site and any notice given in electronic form is admissible in judicial and administrative proceedings. No waiver by FIR of any breach of or right under this Agreement will be a waiver of any preceding or such breach or any other