This agreement covers your use of the "service". The "service" is defined to include the homeinsurancebuyers.org website in its entirety, all related domain, sub-domain, and directory name combinations and suffixes, the website blog, and the Home Insurance Buyers Guide subscription database (hereinafter referred to as "subscription", "database", or "database subscription"). The service is operated by Home Insurance Buyers Guide, LLC.
We are not a licensed insurance company or a licensed insurance agent in the State of Florida. We do not sell insurance and do not represent any insurance company or insurance agency.
Information provided through the service is provided "as is" and represents the personal opinions of the Company. This information is not legal, insurance, or professional advice. You agree and understand that all information you obtain through the service must be verified with a licensed insurance agent, licensed insurance company, or an attorney familiar with insurance law prior to purchasing insurance. You further agree to hold us harmless in the event you make an insurance purchase decision and are not satisfied with any aspect of the policy you purchase. Your database subscription is one of many sources you should consider to help you shop for homeowners insurance.
You should not purchase a subscription if your home is located in an area where sinkholes are present.
You agree and acknowledge that your home is not located in an area where sinkholes are present.
Access to your database subscription is sold to you on a "no-refund" basis. You agree to pay the full amount of access charge posted to your credit card under the terms of your credit card issuer regardless of the results you obtain by using your subscription. All credit card charge backs will not be accepted and you agree to reimburse us for all costs incurred to collect the cost of your database subscription, including but not limited to reasonable attorney fees.
You agree and acknowledge, that purchasing a database subscription does not guarantee that any of the insurance companies featured in the database will be willing to write you a private homeowner's insurance policy. Each insurance company uses its own underwriting guidelines and standards in deciding whether to issue you coverage and reserves the right to accept or reject your application. Depending on your home location and characteristics, you may or may not meet the company's underwriting guidelines. When you purchase a subscription, you should expect to find fewer companies writing new business in the Citizens Property Insurance Corporation "Wind-Only" coverage area as compared to other areas within a county. In addition, each insurance agent is free to make their own decisions regarding which insurance company options are presented to you. Some of the companies featured may be writing new policies under a different name than the company name shown in the subscription database. You should verify that both the insurance company and the insurance agent are licensed by the Florida Office of Insurance Regulation at the time you apply for insurance. We are not recommending any insurance company or agent as being suitable to your situation. You should check with your lawyer, accountant, and a licensed insurance agent before purchasing any insurance products.
The homeowner's insurance market is very dynamic. You agree and acknowledge that accuracy of the data is not guaranteed. You further agree and acknowledge that you should supplement the information contained in the service with your own research of the company, its agents, and coverage before buying any insurance policy. In addition, you should visit among others, websites operated by the Florida Office of Insurance Regulation, the National Association of Insurance Commissioners, Financial Rating Services such as AM Best, in addition to insurance company and insurance agent websites to make an informed insurance purchase decision.
This service is provided to you "as is" and Company does not guarantee the truth, accuracy, adequacy or completeness of the service and is not responsible for any errors, omissions, or the results obtained from the use of the service. You agree that the company is not responsible for inaccuracies, errors, or omissions in the service.
The service is protected under United States and International copyright laws. This protection includes but is not limited to the names of the companies, the arrangement of the companies in the database along with the Buyers Guide Rating©. Company reserves all rights under these laws. You agree that all information obtained from the service is solely for your own personal, non-commercial use. You agree not to copy, reproduce, reformat, alter, modify, create derivative works, transmit in any form or publicly display in whole or in part any of the content of the service. You further agree not to market, sell or otherwise distribute this database in whole or in part without the prior, written authorization of the company. In addition, you agree that you will not use any robot, spider, other automated device, or manual process to monitor or copy any content from the Buyers Guide. You can purchase up to three counties from the database during a ten month period. Sharing your username and password is prohibited and you assume all risks associated with the loss of your personal data if you share your logon credentials with others. If you are uncertain whether your intended use of the service is permissible, please contact us. In addition, Company shall have the right in its sole discretion to suspend or terminate your access to the service if you violate the provisions of this agreement without any refunds or further obligations to you.
Links to other sites are made available to users of our service as a convenience. These links do not imply an endorsement of the materials disseminated at those websites, nor does the existence of a link to another site imply that the organization or person publishing at that site endorses any of the materials at this site. We do not exercise control over these sites. You agree that the company is not responsible for the content of other websites or the results that you obtain by visiting those sites. These sites may have different privacy practices than those of the company and we encourage you to read their privacy policies.
You expressly understand and agree that company, its employees, and its agents shall not be liable to you or any third party claimant, for any direct, indirect, incidental, special consequential, punitive or exemplary damages, costs and expenses (including litigation costs and attorneys' fees) of every kind which may be incurred by you in connection with your use of the service. This limitation of liability will apply regardless of whether your losses or damages are based on a claim or action or action of contract, warranty, negligence, strict liability, or other tort, breach of statutory duty, indemnity, or contribution, or otherwise. This liability limitation further applies to and prevents the recovery of lost profit (whether incurred directly or indirectly), lost goodwill or business reputation, any loss of data suffered, the cost of procurement of substitute goods or services, or other tangible loss. This limitation of liability includes but is not limited to loss or damage incurred by you as a result of:
- Reliance placed by you on the completeness and accuracy of the information contained in the service.
- Reliance placed by you on the completeness, accuracy, or existence of any advertising or as a result of any relationship or transaction between you and any advertiser, sponsor, or business partner whose advertising or links appear on this service.
You agree and acknowledge that the service is provided to you "as is" with no warranties whatsoever. Company expressly disclaims by law all express, implied, and statutory warranties, including without limitation, the warranties and conditions of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. The company further disclaims any warranties regarding the security, reliability, and timeliness of the service.
You agree to hold harmless and indemnify company and its employees, agents, and representatives, from and against all third party claims arising from or in any way related to your use of the service, including without limitation any claim or demand including reasonable attorneys' fees, made by any third party due to or arising out of your use of the service.
The liability of the company for any and all reasons to you as a user of the service is expressly limited to the repayment or crediting to you an amount equal to the purchase price of the services at the option of company. Under no circumstances will the company's liability for any reason exceed the contract value of the subscription services you have purchased from us.
This section outlines the types of personal information we receive and collect when you use the service, as well as some of the steps we take to safeguard your information.
When you purchase a subscription, the personal information we collect includes but is not limited to:
- Your name, address, email address, and phone number
- Information about the property you are seeking to insure
- Information about your insurance coverage
- Competitive quote information you obtain as you search for insurance
- Your satisfaction level with your insurance company
- Intelligence about the homeowner's insurance market in your county.
When you purchase your subscription, your credit card number is transmitted via a secure server with a valid SSL certificate. Your credit card number is encrypted and it is only used to complete the transaction. It is not stored in our databases after your purchase.
We do not collect information such as your social security number or your date of birth for any reason. No one from the Home Insurance Buyers Guide will ever ask you to provide this information either on the phone or via email.
All information you provide to us about your home, your insurance coverage, your policy cost, and your satisfaction level with your insurance company will be kept confidential and will not be disclosed to anyone on an individual basis. This information will be used to develop overall aggregate values at the county and state level related to policy cost and satisfaction levels for specific insurance companies.
You acknowledge, consent, and agree that company has the right to access, preserve, and disclose your information and profile if required to do so by law or when requested to do so by legal process.
Your information will not be shared with any insurance companies or their agents. You will not receive any mail, email, or phone calls from any insurance companies or their agents, or from the Home Insurance Buyers Guide.
All information we collect is hosted in a secure environment in an unmarked location in a data center where only authorized personnel can enter using card access and where 24/7 surveillance video is present.
As a member or subscriber, you will be provided with access to a personal profile where you will be able to keep your information current.
We will not collect or use information collected from you for purposes other than those described in this policy unless we have obtained your prior consent.
This agreement represents the complete agreement between you and the company. If any provision of this agreement is held to be unenforceable for any reason, such provision shall be reformed to the extent necessary to make it enforceable to the maximum extent permissible so as to reflect the intent of the parties, and the remainder of this agreement shall continue in full force and effect.
This agreement constitutes the entire agreement between company and you with respect to the subject matter thereof. You agree that, except as otherwise expressly provided in this agreement, there shall be no third-party beneficiaries to this agreement.
This agreement shall be governed by and construed under the laws of the State of Florida. In the event of any conflicts between foreign law, rules and regulations, and Florida law, rules, and regulations, Florida law, rules, and regulations shall prevail and govern.