PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE.
By accessing Reliance covers, utilizing any of our services, or accessing and using any other websites on which these Terms and Conditions reside (collectively referred to as the “Site”), or any of the Site’s Content, you acknowledge and agree to be bound by the following Terms and Conditions, including binding arbitration (described in Section 2 below), the Reliance covers Privacy Policy, E-Sign Consent, and any operating rules, policies, and procedures that may be published on this Site from time to time (collectively, the “Terms”). PLEASE NOTE THAT THESE TERMS INCLUDE PROVISIONS THAT GOVERN THE RESOLUTION OF DISPUTES BETWEEN US AND YOU AND LIMIT OUR LIABILITY TO YOU.
If you do not agree to these Terms, you may not access or use the Site or the Content. The Terms constitute a legally binding agreement between you and us, Reliance Covers, the operator of the Site (referred to as “we,” “us,” or “our”). References to “Site operator,” “we,” “us,” and “our” in these Terms include our affiliates (including, without limitation, Reliance Covers, Inc.), agents, successors, and assigns. The Site is intended for use by individuals who can form legally binding contracts under applicable law and is only available to residents of the United States who are 18 years of age or older. By accessing and using the Site, you accept and agree to the Terms without qualification. You represent and warrant that you have the authority to bind the User (as defined below) to these Terms and that your use of the Site, including the provision or use of any Content, does not violate any applicable law.
The Site acts as a platform to provide information and assistance related to health insurance products. We facilitate the process of obtaining insurance quotes from licensed insurance providers. Please note that we are not an insurance provider ourselves, and the final purchase of insurance is made directly with the insurance provider. We do not issue insurance contracts or bind coverage. We strive to provide accurate information on the Site, but we do not guarantee the accuracy, completeness, or reliability of the information provided. It is your responsibility to review and understand the terms, conditions, and coverage of any insurance policy before making a purchase.
When using our services, you agree to provide accurate and complete information. You are solely responsible for the decisions made based on the information provided on the Site. It is your responsibility to review and understand the terms, conditions, and coverage of any insurance policy before making a purchase. We recommend consulting with a qualified professional for personalized advice and insurance-specific policy recommendations.
We respect your privacy and handle your personal information in accordance with our Privacy Policy. By using our services, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy.
The content on our Site, including text, graphics, logos, and images, is protected by intellectual property laws. You may only use the Site and its content for personal, non-commercial purposes. You may not modify, distribute, reproduce, or create derivative works based on the content without our prior written consent.
We strive to provide accurate and up-to-date information on our Site, but we do not guarantee the accuracy, completeness, or reliability of the information. The insurance quotes provided through our services are estimates based on the information you provide and may not reflect the final premium. You should independently verify all information before making any decisions.
To the fullest extent permitted by law, we disclaim any liability for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of our services or the Site. This includes damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
Our Site may contain links to third-party websites. These links are provided for your convenience, and we do not endorse or have control over the content or policies of these websites. Your use of third-party websites is subject to their terms and conditions.
We reserve the right to modify or update these Terms at any time without prior notice. By continuing to use the Site after any changes to the Terms, you accept and agree to the modified Terms.
By using this Site and providing your contact information, you agree that any dispute, claim, or controversy arising out of or relating to your use of the Site, the services provided by Reliance Covers and Excellence Media Group, or any communications you receive from us, shall be resolved through binding arbitration. This includes disputes arising from the Telephone Consumer Protection Act (TCPA), related marketing offers, and any alleged violations of federal or state “Do Not Call” (DNC) registries.
Arbitration shall be conducted by a neutral arbitrator and administered by the American Arbitration Association (AAA) in accordance with its rules. You waive your right to a trial by jury or to participate in a class-action lawsuit. The arbitration decision shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction.
By using this Site, you expressly agree to this arbitration clause and acknowledge that you are giving up your right to have any dispute heard by a judge or jury.
These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of the United States.
These Terms constitute the entire agreement between you and us regarding your use of our services and the Site, superseding any prior agreements or understandings.
If you have any questions or concerns regarding these Terms, please contact us.