Terms and Conditions
You are visiting a website owned by AmericanSocietyGuide. By visiting this site and the various websites owned and operated by AmericanSocietyGuide, and its affiliates and subsidiaries (collectively, “Websites”), you are entering into a legal agreement to abide by the terms of use you see here, and you are agreeing that you have read and fully understand this Terms of Use Agreement (“Agreement”). This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept, and agree to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference. You agree that, to the fullest extent required by the law of any state, you have been provided with, have received, and are agreeing to all disclosure and consent requirements. Certain Services may include additional terms; by agreeing to proceed with any such Services you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service.
- For purposes of this Agreement, “you” or “your” means the person(s) using the Websites and/or the Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Websites and/or the Services.
- “AmericanSocietyGuide”, “us”, or “we” includes , AmericanSocietyGuide and all of its affiliates and subsidiaries.
- “Provider(s)” includes, but may not be limited to, the banks, lenders, financial institutions, insurers, service providers, real estate companies, dealers, agents, brokers and other entities offering products and services through the Websites or otherwise partnered with AmericanSocietyGuide to facilitate and allow delivery of the products and services you may request.
- “Qualification Form” refers to your request to be matched with providers of any of the products and services that you may be connected to through the Websites.
AmericanSocietyGuide reserves the right, at its sole discretion, to change or modify the Websites or this Agreement (or any portion thereof) at any time. Such changes and modifications become effective immediately upon posting on the Websites. You agree to review this Agreement for any such changes upon your use of the Websites and that your continued use of the Websites or Services constitutes your acceptance of such changes and modifications. The Websites are intended for individuals who are at least 18 years of age and are accessing the internet from a physical location within the United States of America. By using or accessing the Websites, you acknowledge that you are 18 years of age or older and are accessing the internet from a physical location within the United States of America.
Privacy Policy
The AmericanSocietyGuide Privacy Policy, hereby incorporated by reference into this Agreement, explains how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.
Copyright, Trademark, and Service Mark Notices
All text, graphics, photographs, videos, sound, trademarks, logos, artwork, interfaces and computer code, including but not limited to the design, coordination, “look and feel” and arrangement of elements contained on the Websites (collectively “Content”) is owned or licensed by or to AmericanSocietyGuide. The Content is protected by trademark, copyright, and patent laws, and other intellectual property rights and unfair competition laws. Except as expressly stated herein, no part of the Websites or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted or distributed in any way, including the use of framing or mirrors, to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without AmericanSocietyGuide’ prior written permission. Nothing on the Websites should be construed as granting any license or right to use any Content.
Disclaimers and Liability
The websites, content and services are provided for use “as is” without warranty of any kind. AmericanSocietyGuide does not warrant that the websites, content or services will be accurate, error-free or uninterrupted. AmericanSocietyGuide does not warrant that the websites, content or services will provide specific results.
To the maximum extent not prohibited by law:
Indemnity
You agree to indemnify, defend and hold harmless AmericanSocietyGuide and its officers, directors, shareholders, predecessors, successors-in-interest, licensors, employees, agents, subsidiaries and affiliates (“AmericanSocietyGuide Parties”), from and against any and all claims, losses, liabilities, expenses (including attorneys’ fees and costs) and damages arising out of or relating to your use of the Websites or Services, your violation of any third-party right or law, or your violation or alleged violation of this Agreement. You must not settle any such claim or matter without the prior written consent of AmericanSocietyGuide. The AmericanSocietyGuide Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.
Limitations on Damages
AmericanSocietyGuide liability, if any, shall be limited to direct and foreseeable damages, which shall not exceed the amount provided below. Under no circumstances shall AmericanSocietyGuide be liable for indirect, incidental, consequential, special, statutory, punitive or exemplary damages such as, but not limited to, loss of revenue or anticipated profits or lost business, loss of or damage to data, or emotional distress notwithstanding any other provision of this agreement, in no event shall AmericanSocietyGuide total liability exceed U.S. $100.00. These limitations and exclusions apply even if this remedy does not fully compensate you for any losses or fails of its essential purpose or if we knew or should have known about the possibility of the damages. To the maximum extent permitted by law, these limitations and exclusions apply to any claims related to this agreement or to the services.
Links to Third Party Websites
The Websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. AmericanSocietyGuide does not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. AmericanSocietyGuide inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave the Websites, you agree that AmericanSocietyGuide is not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.
Errors and Delays
You agree that AmericanSocietyGuide is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.
Dispute Resolution, Governing Law, Waivers and Limitations
You agree that any dispute between you and us, including without limitation disputes relating to the websites, content or services (“dispute”), shall be finally and exclusively resolved by binding individual arbitration administered by the american arbitration association (“aaa”) in accordance with its consumer arbitration rules. Disputes will be arbitrated at a hearing conducted in California; the arbitrator(s) shall have no authority to deviate from the law, and the arbitrator(s) shall make all reasonable efforts to expedite the arbitration proceedings and to limit discovery. This means that you will not be able to litigate any such dispute in court, and that you agree to waive your right to a jury trial. You agree that any dispute will be governed by the laws of the state of California without regard to any conflicts of laws provisions. If any matter proceeds in court, including post-arbitration confirmation proceedings, you agree to the exclusive personal jurisdiction by, and venue in, the state and federal courts located in California, and you waive any objection to such jurisdiction or venue.
Miscellanous Terms
This Agreement (including all referenced or incorporated policies, agreements and other provisions) constitutes the entire agreement between you and AmericanSocietyGuide and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter hereof. If a conflict between the language of this Terms of Use Agreement and the language of any terms incorporated by reference, the latter incorporated terms shall control.
Terms Applicable to Insurance Request Services
AmericanSocietyGuide is not a licensed insurance agency or broker and does not provide insurance quotes in accordance with RCW 48.17 or similar state statutes. The information AmericanSocietyGuide provides is not intended to take the place of professional advice from a licensed insurance agent nor does AmericanSocietyGuide provide any evaluation of the insurance providers or their policies. AmericanSocietyGuide recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.
AmericanSocietyGuide does not sell any insurance or bind coverage on its Websites; instead, AmericanSocietyGuide provides a service to help Providers offer for sale and sell insurance and other authorized products to you and potential consumers (each, a “Prospect”, and all Prospects and Providers are collectively called the Website’s “users”) who have visited one of AmericanSocietyGuide Websites and applied to receive insurance or other authorized quotations from a Provider. AmericanSocietyGuide may, through its Websites, and with each Prospect’s authorization, collect certain information through a Qualification Form about any Prospect and sell information contained in that Qualification Form to a Provider. As a result, the quality, safety or legality of the products offered by any Provider for sale, the truth or accuracy of the representations regarding such products, the ability of Providers to offer or sell such products, or the ability of Prospects to pay for the products offered are solely the responsibility of each user. AmericanSocietyGuide is an independent contractor for all purposes, and AmericanSocietyGuide is not responsible in any way for the conduct of any Prospect or Provider. Nor does AmericanSocietyGuide endorse or recommend any Providers nor any companies or insurance policies. AmericanSocietyGuide does not provide insurance, tax, legal or any other financial advice. AmericanSocietyGuide does not guarantee that any of the Providers to whom it forwards any Prospect’s application will contact such Prospect or agree to provide the Prospect with the desired coverage. If you are a Prospect and you would like personal advice or specific policy recommendations, please consult with an insurance agent, broker, or other qualified professional.
Additional Terms
By submitting any Qualification Form containing your electronic signature through any of the Websites, and separately for each such request you submit, you are indicating that you desire to be contacted by Providers, and you are providing express written consent that AmericanSocietyGuide, a third party on AmericanSocietyGuide behalf, and the Providers with whom you are matched, may deliver calls or text messages to you, including for marketing purposes, using an automatic telephone dialing system or an artificial or prerecorded voice to the phone number you have provided, even if it is a cellular phone number or other service for which the called person(s) could be charged for such call. You understand that you are providing this consent to receive such telephone calls even if your telephone number is currently listed on any federal, state, local, internal, or corporate Do-Not-Call (“DNC”) Lists. You understand that you are not required to consent to receive these communications as a condition of using AmericanSocietyGuide services.
You may opt out of receiving calls from AmericanSocietyGuide at any time by engaging in any of the following reasonable means: (1) emailing [email protected] to expressly state in writing that you no longer wish to be contacted by AmericanSocietyGuide and are revoking your consent to be contacted; (2) notifying a AmericanSocietyGuide customer service representative that you no longer wish to be contacted by AmericanSocietyGuide and are revoking your consent to be contacted; or (3) responding to any SMS, mobile, or text message you receive from AmericanSocietyGuide in accordance with the express written instructions of that particular messaging program. You agree to notify any particular Provider directly if you no longer want to receive communications from them. You further agree that AmericanSocietyGuide is not responsible for a Provider’s failure to follow your or our instructions to stop contacting you.
For any Service, by saving your information with AmericanSocietyGuide or submitting a Qualification Form, you represent that all the information you have provided is true, accurate, current and complete. You further acknowledge that you alone will use your account to access the Services. You must not sell, transform or assign your account to anyone else. You agree to keep your login information confidential, to employ reasonable and appropriate safeguards to prevent unauthorized access to your account, and to not share your account credentials with any third party or allow anyone else to log into our Services as you. You are responsible for all activities that occur under your member account. If you believe that your account is no longer secure, you agree to notify us immediately.
When you “submit” information, create an account or otherwise register for Services through AmericanSocietyGuide and its Websites, you understand and agree that you have established a business relationship between you and AmericanSocietyGuide. Accordingly, AmericanSocietyGuide may send your information to certain affiliates and third parties as provided in the Privacy Policy and you agree that AmericanSocietyGuide, its affiliates, and persons calling on AmericanSocietyGuide behalf may contact you using information you provided with information and offers of services available through AmericanSocietyGuide and the Websites. You also give AmericanSocietyGuide permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information regarding your submission, including incomplete Qualification Forms, the identification of matched Providers, deadlines, quality of services or other matters in connection with your Qualification Form.