Last Updated: June 1st, 2023

Please read these Terms and Conditions of use carefully before using this website.

Thank you for visiting EzeCoverage.net (“Website,” “Site,” or “App”) a Site owned and operated by EzeCoverage (“EzeCoverage”). 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 EzeCoverage. 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”, free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance and financial related decisions. There is information provided at the point of sale for commercial purposes. Most information provided through the Service is provided for general informational and educational purposes.

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

Any quotes, or quote-ranges provided on the Site or over the phone are non-binding, non-obligatory quotes. 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 our third party partners 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. In this event, with your permission, we will create an account for you as a part of the Services. 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. 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. 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. 

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.

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 EzeCoverage 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 EzeCoverage or any other party. EzeCoverage is registered trademarks of EzeCoverage. All other trademarks, trade names, service marks and logos displayed throughout the website are the property of EzeCoverage, licensed by EzeCoverage, 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 EzeCoverage 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 EzeCoverage 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

EzeCoverage 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. EzeCoverage 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 agree and acknowledge that the site, the services, and all content are provided “as is,” “as available”, without warranty of any kind, either implied or expressed, including, without limitation any warranties of title, non-infringement, fitness for a particular purpose or merchantability. We are not 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, content, or services. Many insurance products quoted or sold though the site are third-party products and are not our products. We make no representations or warranties with respect to such products, and accept no liability in connection with such products. All such products are provided to you by the terms and conditions of the insurance carrier providing such products. Please contact them directly with any questions. 

In no event shall we be liable for special, direct, indirect, exemplary, punitive, or consequential damages, including lost profits, savings or revenues, even if we have been advised of the possibility of such damages in advance. In the event that jurisdictions do not allow the exclusion or limitation of liability for negligence, incidental or other damages, consequential, in such jurisdictions our liability shall be limited to the greatest extent permissible under such applicable law. Your sole and exclusive remedy for dissatisfaction with the site, any content, or any service, is to stop using the same. 

If you are a California residnet or if you would simply prefer to opt-out for any reason and would like to request that your personal information not be sold in accordance with the California Consumer Privacy Act (CCPA), please fill out the form on the opt-out link below or feel free to send us an email with your full name, email, and phone number to opt-out@ezecoverage.net. We will verify your information, and once verified, we will process your request to opt-out all of your information from future sales.

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 and are not responsible for the content of any linked External Sites. We are not liable or responsible for the actions, content, or products of the External Sites. These 

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 agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, licensors and suppliers from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these terms and conditions or any activity related to your use of this site (including breach of these Terms of Use or your access to, use, or misuse of the Site, and Services or any Content) by you or any other person accessing this site using your computer or Internet account.

Termination

We reserve the right to for any reason, or no reason, change, suspend, or discontinue all or any part of the Site or the Services at any time without prior notice or liability.

Miscellaneous

Jurisdiction. Subject to and without waiving the arbitration clause below, to the extent any suit or other action is brought that arises from or is related to this Agreement, it shall be brought in a state or federal court sitting in the State of Wyoming. All parties hereby waive any claim or defense that the forum is not convenient or proper. Each party agrees that the court shall have in personam jurisdiction over it and consents to service of process by any means authorized by Wyoming law (other than by publication). However, to the extent suit is brought by a third party against a party to this Agreement, regarding which the terms of the indemnification provisions set forth herein would apply, that sued party may implead or counterclaim against the other party in that action, even if not in State of Wyoming, in order to enforce the terms of that indemnification. Wyoming law (without regard to principles of conflicts of law) shall still apply to the terms of this Agreement. In any action brought under this Agreement, each party shall bear its own costs and expenses, including attorneys’ fees, in connection with the proceeding, unless otherwise determined by an arbitrator or judge with authority to render an opinion or ruling regarding this Agreement.

Arbitration  

    Any unresolved dispute or controversy arising from or relating to this Agreement shall be finally resolved by binding arbitration through the platform provided by New Era ADR, Inc. (https://neweraadr.com/) (the “New Era Platform”) in accordance with its rules and procedures for “Virtual Standard Arbitrations” by a professional neutral(s) with substantial experience in resolving commercial disputes (the “Neutral”). The Neutral shall be chosen in accordance with the rules and procedures of the New Era Platform. The parties will bear costs as provided for under this Agreement or, if silent, in accordance with the rules and procedures of the New Era Platform. The prevailing party may be entitled to receive reimbursement of its reasonable expenses (including reasonable attorneys’ fees and all other expenses) incurred in connection therewith, at the Neutral’s discretion. The parties agree that New Era ADR Inc. and its associated neutral(s) have the power and authority to issue injunctive relief including, but not limited to, temporary restraining orders, preliminary injunctions and permanent injunctions depending on the facts and the circumstances of the case.  A party seeking injunctive relief must demonstrate that the legal standard under applicable law has been met and no condition contained herein waives the obligation to make such a demonstration.  The parties agree and acknowledge that they are waiving their right to challenge the proprietary of injunctive relief issued by New Era ADR Inc. and its associated neutrals in a court of law or other judicial forum.