Effective 1/1/2017

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE

Thank you for visiting www.assurance.com (“Website,” “Site,” or “App”). The Site is owned and operated by ASSURANCE IQ, Inc. (“ASSURANCE,” “we,” “us,” or “our”). The terms of use detailed below (the “Terms of Use”) govern your access to and use of the Site and the services that we make available to you through the Site (the “Services”). These Terms of Use are a legal contract between you and ASSURANCE. By accessing or using the Site or any of the Services, you hereby agree to these Terms of Use, and you warrant that you are at least 18 years of age. If you do not agree with these Terms of Use, in whole or in part, please do not continue to use the Site or the Services.

The Terms & Conditions policy is effective as of the last updated date specified above. We may change the Terms & Conditions at any time. Please check this page periodically for changes as your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms.

THE SERVICES

The Services are provided “as is”, and include ASSURANCE Expert Advice™, free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance and financial related decisions. Most information provided through the Service is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.

The Services include incorporation of third-party insurance products, brokers, and carriers in the form of an advertisement, insurance quote, online purchase, email, phone call, text message, or any other marketing medium. This serves as notice that you may have third-parties contact you on our behalf.

The Services also include formal quoting, brokering, and transacting of first-and-third-party insurance products. We are a licensed insurance agency.

Any quotes, or quote-ranges provided on the Site or over the phone are non-binding. The final insurance policy premium for any policy is determined following application by the underwriting insurance company. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.

At times, Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third-parties. Any third-party insurance products purchased by you through the Site are subject to the contract terms of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any insurance policy terms, the terms of the insurance policy will control.

ACCOUNT

The site is largely a free and unrestricted resource, however, to access certain password-protected areas of the Site and Services, you must register for an account. Your account is also important for purchasing, storing, and managing your insurance policies. To register for an account, you must provide us with your first name, last name, and email address. You warrant and represent that all registration information provided by you is truthful and accurate. With your permission, we will create an account for you as a part of the Services, in this event, you are the owner of the account as if you created it. You are required to update your registration information as necessary from time to time. All registration information and any other personal information that you provide to us through your use of the Service is subject to the terms of our Privacy Policy.

Accounts are protected by passwords and pins. You are solely responsible for the confidentiality of your password, as well as for any use of the Site or any Services made using your password. Your password should only be used by you, and you should not share your password with any third party. We reserve the right to delete or change any password at any time and for any reason upon notice to you. We reserve the right to issue a pin to log in to your account.

USER CONDUCT

You promise NOT to use this website for any of the following purposes or activities: Conducting or supporting illegal activity of any type whatsoever; transmitting or storing worms or viruses or any code of a destructive nature; threatening, harassing, abusing, impersonating, injuring or intimidating others; interfering with others use of this Website, unless such interference is for the purpose of complying with another section of these Terms of Use; delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements; decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this Website; disguising the origin of any content transmitted through this Website or manipulating your presence on the Website; and/or causing the launch of any automated system(s) that accesses this Website in a manner that sends more request messages to servers of the Website in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser.

MOBILE TERMS AND CONDITIONS

Assurance Customer Service Notifications receive insurance quotes and alerts from Assurance Customer Service Notification through your mobile device. Text JOIN to 71953 to receive up to 4 text messages per month. Message and data rates may apply. By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. By signing up, you are confirming you are over the age of 13.

STOP INFORMATION

Text STOP to 71953 to stop receiving Assurance Customer Service Notification messages from Assurance (you will receive a confirmation text).

HELP INFORMATION

For additional information, text HELP to 71953 or contact 844-680-6065.

Supported carriers are: AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages. We take your privacy seriously. Please review our Privacy Policy.

INTELLECTUAL PROPERTY

The Site contains material, such as text, graphics, images, photos and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us. These materials and information are collectively referred to herein as the “Content.” The Content is owned by us and/or our licensors and may be protected under both United States and foreign copyright laws and treaties. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Site, which are registered and unregistered trademarks or service marks of ours or our licensors. Moreover, the organization and design of the Website are the property of ASSURANCE and are protected worldwide by copyright laws and treaty provisions.

You shall not, without our written permission in each instance: use any trademarks, service marks or logos in any manner; copy or use the Content for any purpose; remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or use or post or publish the Content.

Nothing contained in these Terms and Conditions of Use shall be construed as conferring any license or right to any trademark or other intellectual property right of ASSURANCE or any other party. ASSURANCE and the stylized “ASSURANCE Weave Logo” design are registered trademarks of ASSURANCE IQ, Inc. All other trademarks, trade names, service marks and logos displayed throughout the website are the property of ASSURANCE, licensed by ASSURANCE, or owned by third parties. You shall not display, use as a link, use as a meta tag, or otherwise use any of the trademarks, trade names, service marks and logos displayed throughout the Website without the prior written consent of the owner of the trademark, trade name, service mark and logo.

UNSOLICITED INFORMATION

We provide Services for inquires and peer-to-peer interaction, and you are solely responsible for your use of these Services. By submitting any unsolicited information and materials, including comments, ideas, questions, and other similar communications, (“Unsolicited Information”) you agree to be bound by the following terms and conditions. All Unsolicited Information will be considered NON-CONFIDENTIAL and NON-PROPRIETARY and will become ASSURANCE’s property upon its submission. We are entitled to use such communication or material for any purpose whatsoever, commercial or otherwise, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and further posting, without any compensation to the provider of the Unsolicited Information. Further, we are free to use any ideas, concepts, know-how, or techniques contained in any communication or material you send to the site for any purpose whatsoever, commercial or otherwise, including, but not limited to, developing, manufacturing, and marketing products. By submitting any Unsolicited Information, you are granting us a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer and sell such Unsolicited Information. Notwithstanding the foregoing, any personal information you submit to ASSURANCE through the pages located on the Website will be held in confidence by us as set forth in our Privacy Policy.

COLLECTION AND USE OF INFORMATION

ASSURANCE respects your privacy. Your use of the Services transmits information, and possibly personally identifiable information. Any collection or use of personally identifiable information collected from you via the Website is governed by our Privacy Policy, which is hereby incorporated by reference in its entirety. It is important that you read and understand the terms of our Privacy Policy. ASSURANCE may cooperate with and disclose information (including your account information) to any authority, government official or third party, without giving any notice to you, in connection with any investigation, proceeding or claim arising from an asserted illegal action or infringement whether related or unrelated to your use or misuse of the Website.

DISCLAIMER AND LIMITATION OF LIABILITY

YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT.

MANY INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD-PARTY PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS OF THE INSURANCE CARRIER PROVIDING SUCH PRODUCTS.

IN NO EVENT SHALL WE BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, ANY SERVICE, OR ANY CONTENT IS TO STOP USING THE SAME.

EXTERNAL SITES

The Site may contain links to third-party websites, including, without limitation, the websites of the insurance carriers offering the third-party insurance products made available to you through the Services (“External Sites”). We have no control over the External Sites, and we do not endorse and we are not responsible for the content of any linked External Sites. We are not responsible or liable for the actions, products or content of the External Sites, as they are provided for your convenience and are to be accessed entirely at your own risk. We do, however, seek to protect the integrity of our Website and welcome any feedback about external links, including information regarding a broken link. The Site may include interactive social media features (such as the Facebook “Like” button and Widgets, such as the “Share This” button) or other interactive mini-programs that run on our Website and connect to External Sites (collectively the “Features”). The Features may collect your IP address, which page you are visiting on our Website and may set a cookie to enable the Features to function properly. The Features are either hosted by a third party or hosted directly on our Website. Your interactions with the Features are governed by the privacy policy of the External Site providing them. Before using any External Site, please refer to the terms of use and privacy policies of the External Sites for more information.

INDEMNIFICATION

You shall defend, indemnify, and hold us and our officers, directors, employees, successors, licensees, and assigns harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of these Terms of Use; or (ii) your access to, use, or misuse of the Site, any Services or any Content.

TERMINATION

We may terminate these Terms of Use and your access to all or any part of the Site or the Services at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Site or the Services sat any time without prior notice or liability.

MISCELLANEOUS

In the event that any portion of these Terms of Use is held to be invalid or unenforceable, then such portion shall be construed in accordance with the applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of these Terms of Use shall remain in full force and effect. This section, the section entitled Indemnification, and the sections entitled Disclaimer, Limitation of Liability and Intellectual Property shall survive the termination of these Terms of Use. You may not assign these Terms of Use. No waiver shall be effective unless in writing. Neither the course of conduct between parties nor trade practice shall act to modify any provision of these Terms of Use. We control and operate the Website from our offices within the State of Washington, United States of America, and these Terms of Use shall be governed by and construed in accordance with the laws of the State of Washington. You are solely responsible for compliance with all applicable laws and regulations that may govern your access and use of the Website. Except for proceedings commenced by us to protect our intellectual property or confidential information which may be brought in any court of competent jurisdiction, the parties mutually agree that any and all disputes arising hereunder shall be resolved exclusively by state or federal courts located in King County, Washington. These Terms of Use contain the entire agreement of the parties concerning the subject matter hereof and supersede all existing agreements and all other oral, written or other communication between the parties concerning its subject matter. If you have any questions, or would like additional information about the Terms of Use, please contact us at privacy@assurance.com, (844) 358-4700, 11400 SE 8th ST, Suite 360, Bellevue, WA 98004.

Effective 1/1/2017

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE

Thank you for visiting www.assurance.com (“Website,” “Site,” or “App”). The Site is owned and operated by ASSURANCE IQ, Inc. (“ASSURANCE,” “we,” “us,” or “our”). This privacy policy (the “Privacy Policy”) describes the information that we collect from you when you use our Site or our Services and what we do with this information. By accessing or using the Site or any of the Services, you hereby agree to the terms of this Privacy Policy and the Terms & Conditions of Use governing your use of the Site and the Services, into which this Privacy Policy is incorporated by reference. If you do not agree with this Privacy Policy or the Terms of Use, then please do not use the Site or the Services. Capitalized terms that are used in this Privacy Policy but not defined shall have the meanings ascribed to them in the Terms of Use.

The Privacy Policy is effective as of the last updated date specified above. We may change this Privacy Policy at any time. Please check this page periodically for changes as your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms.

INFORMATION WE COLLECT

Personal Information You Provide

We collect the content and other personal information that may be used to identify you as an individual you provide when you use our Services, including when you request an insurance quote, apply for insurance, and sign up for an account. This can be personally identifiable information, health information, and information about property you own or lease. We also collect information about how you use our Services, such as the types of content you view or engage with or the frequency and duration of your activities. Depending on the nature of the Services provided by us to our customers, we may receive personal information either from you directly or from third party partners. We may receive personal information when you create an account on our Website, request information about our Services or products, submit an order for Services, sign up for any information about our Services, or provide information for the purposes of verification of your identity or fraud prevention purposes.

The personal information we may collect includes, but is not limited to: name, address, date of birth, phone number, email address, height, weight, social security number, vehicle details, personal and family health information, arrest records, credit score, properties you own or rent, and similar information about family members and dependents.

Payments

If you use our Services for purchases or financial transactions, we collect information about the purchase or transaction. This includes your payment information, such as your credit or debit card number and other card information, and other account and authentication information, as well as billing, mailing and contact details.

Device

We collect information from or about the computers, phones, or other devices where you install or access our Services, depending on the permissions you’ve granted. We may associate the information we collect from your different devices, which helps us provide consistent Services across your devices.

This includes, but is not limited to: attributes such as the operating system, hardware version, device settings, file and software names and types, battery and signal strength, and device identifiers. Device locations, including specific geographic locations, such as through GPS, Bluetooth, or WiFi signals. Connection information such as the name of your mobile operator or ISP, browser type, language and time zone, mobile phone number and IP address.

Information from third-party partners

We receive information about you and your activities on and off the site from third-party partners, such as information from a partner when we jointly offer services or from an advertiser about your experiences or interactions with them.

Third party information we collect includes, but is not limited to: Google Analytics, Google Tag Manager, Facebook Pixel, Twitter Pixel, Lucky Orange, Criteo Pixel.

Cookies and tracking technology

We collect information from tracking technology such as Cookies and Web Beacons. Cookies are small pieces of text used to store information on web browsers. Cookies are used to store and receive identifiers and other information on computers, phones, and other devices. Other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, are used for similar purposes. In this policy, we refer to all of these technologies as “cookies.” Web Beacons are electronic files used to track your navigation on a website or collection of sites, the completion of transactions, submittal of applications and browsing behavior. We use these technologies to enhance your shopping experience. To opt out of any personalized advertising please send us an email at privacy@assurance.com. You can always turn off all cookies via your browser settings, however if you do so, some features of this Site might not function properly.

HOW WE USE INFORMATION

We collect all of the information described in this Privacy Policy to provide you with the best experience possible in relation to insurance and financial services. We are passionate about personalized experiences. We use all of the information we have to help us provide and support our Services. Possible uses or information include:

Provision of the Services; provide accurate product recommendations and quotes, help first-and-third-party underwriting; provide information for applications; provide or offer other insurance, financial and consumer products and services, possibly from third-parties; provide, maintain and improve customer service; customize and personalize your experience with the Services to your interests; develop and improve the Site and the Services; respond to your inquiries; and communicate with you regarding your purchases or any other related topics. In addition, we may aggregate your information with our other user’s information and use that information for benchmarking and analysis purposes.

By submitting your personal information either to us or to any of your partners, you consent to the use of your personal information as set forth above, and to the transfer of that data to our partners or those individuals or entities we engage to provide Services in connection with your transaction.

We communicate with you through one or more of the following means: phone including an automated dialer, SMS, physical mail, email, notices posted on the ASSURANCE websites or apps, messages to your ASSURANCE inbox, and other means available through the Services, including mobile text messages and push notifications. Examples of these communications include: transactional communications, welcome and engagement communications, service communications, promotional communications, and sales communications.

Your prior written consent is required for any artificial voice or message to your residential phone or any artificial voice or prerecorded message or an automatic telephone dialing system to your mobile phone in each instance that offers or markets our products or Services to consumers or that have a telemarketing purpose. We may obtain your prior written consent when you do the following: sign up for an account for our Services and opt-in to receive such phone calls (see our Terms of Use Policy), respond to our text message requesting if you wish to opt-in, respond to our telephone call via a keypress or voice recording. You may opt-out at any time.

Please be aware that you cannot opt out of receiving service only messages from us. We take your information and privacy very seriously and strive for 100% CAN-SPAM and TCPA compliance, please contact us directly at privacy@assurance.com if you discover any issues.

INFORMATION SHARING

In some circumstances, we may share your information with third parties such as insurance carriers, brokerages, and agents offering products and information made available to you through the Services in order to fulfill a product or service. This includes any parent companies, subsidiaries, join ventures, or other companies under common control with us. These companies may then contact you outside of the Service via automated dialer, SMS, or email, without your direct knowledge or a pre-set appointment.

We may use third party vendors to assist us with the Service. Some examples of the assistance that may be provided by third party service providers are: monitoring and analyzing Site activity, operations and marketing, hosting the Site, and maintaining our database. It is possible that some of these service providers will be located outside of the United States. We may share your personal information with these third parties but only as necessary for them to perform their functions and to the extent permitted by law. Use of your personal information by these third party vendors is governed by their own privacy policies and procedures and not by this Privacy Policy.

As we develop our businesses, we might sell or buy other’s businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of your personal information may be part of the transferred assets.

To the extent permitted by law, we may also disclose your personal information when required by law, valid court order or subpoena; to cooperate with law enforcement or other governmental investigations (without necessarily requiring the law enforcement or government agency requesting the information to formally serve us with a subpoena); when we believe it is needed for fraud protection and/or credit risk reduction; and/or whenever we believe that disclosing such information is necessary or advisable, for example, to protect the rights, property, or safety of us or others. We also reserve the right to report to such entities any activities that we believe to be unlawful. Any report of such activities will be made without prior notice to you, and you consent to such disclosure by us.

We are not in the business of selling, trading or renting personal information. We will not use or share your personally identifiable information with others except those individuals or entities which have a business relationship with us.

SECURITY

We implement security measures to maintain the safety of your personal information when you enter or submit your personal information. We follow generally accepted industry standards to protect the information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to protect your personal information and we make all commercially reasonable efforts to do so, we cannot guarantee the security of any information you transmit to us, and you provide such information at your own risk. Once we receive your personal information, we make our best efforts to ensure its security on our systems.

CHILDREN

We do not knowingly collect personal information from children under the age of 13. If you are under 13, please do not give us any personal information. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce this Privacy Policy by instructing their children to never provide personal information through Internet without their permission. We store information of children under 13 if submitted by a legal guardian for example if a child is on a health insurance policy, or if a child is a beneficiary.

EXTERNAL SITES

This Privacy Policy applies to all information that you provide on the site. We may place links to third party websites and may include information and links to third party websites in our emails. When you visit websites to which ours links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party’s privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We will not be responsible for the actions of any third parties. We encourage you to review the privacy policies of any other service provider from whom you request services.

QUESTIONS

If you have any questions, or would like additional information about the Privacy Policy, please contact us at privacy@assurance.com, (844) 358-4700, 11400 SE 8th ST, Suite 360, Bellevue, WA 98004.

Email us

contactus@assurance.com

Call us

(844) 358-4700

Write us

What is ASSURANCE?

We are a team of passionate entrepreneurs, technologists, marketers, and data-geeks passionate about making managing insurance and investments easier for consumers. We believe that insurance is very important, that is, the right insurance coverage. Finding the right product is only half the battle, we want to provide consumers with world-class tools to manage their portfolio throughout their lives.

How are you different?

We believe insurance should be a woven experience. Everyone has different needs, questions, budgets, and goals. Some of our customers want to purchase 100% online, others feel more comfortable working with a licensed agent over the phone. Our goal is to help every person who visits our site get the right insurance for them, regardless if we make money from it or not.

Are you licensed to sell insurance?

Yes, we are licensed in all 50 states across all lines of insurance, our licenses can be found here. Additionally, ASSURANCE agents are licensed in the state and lines of insurance they do business in.

What products do you sell?

Assurance is appointed to sell many insurance products. Our most popular are the Term Life & Final Expense underwritten by Lumico Life Insurance Company that can be bought digitally on the site or over the phone.

What about products you don’t sell?

We partner with many carriers, brokerages, and agents to do whatever we can to find the right product for you. If you cannot find a product you’re interested in on our site, please write a request to the carrier to work with ASSURANCE.

Can you help anyone get insurance?

Unfortunately, everyone won’t qualify for every product for a variety of reasons. We’ll do our best though!

What should I do if I have questions?

We’re always here to help, email support@assurance.com.