Effective October 1, 2022
Agreement between User and insured.io
Welcome to the Bluefire Insurance online Portal and related services (hereinafter, the “Services”). The Services are comprised of various web pages managed and operated by insured.io (“insured.io”). The Services are offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of the Services constitutes your agreement to the Terms. Please read these Terms carefully and review them periodically, as they will change from time to time, at the discretion of insured.io.
Privacy
Your use of the Services is subject to insured.io’s Privacy Policy.
Please review our Privacy Policy, which also governs the Services and informs users of our data collection and use practices.
Electronic Communications
Use of the Services or sending emails to insured.io constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Portal, satisfy any legal requirement that such communications be in writing.
Text Messaging and Use of Short Messaging Service (SMS) Codes
Your use of the Services may include the ability for you to register and thereafter receive insurance policy-related text messages. When you opt-in for text message alerts, receipts or other messaging related to the Services, insured.io will send you a SMS Short-Code (a five-digit code sent to you when you “opt-in” to text messaging services). For SMS Short Codes provided by the Services hereunder, the following will apply:
1. When you opt-in to the Services, we will send you a text message to confirm your consent to receive text messages.
2. You can cancel the text messaging service at any time by texting "STOP" to the SMS Short Code number you received. After you send the text message "STOP" to insured.io, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive text messages from us. If you want to join again, just sign up through the Services as you did the prior.
3. If at any time you forget which keywords are supported, just text "HELP" to the SMS Short Code. After you send the message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
4. Currently, we can deliver messages to the following mobile phone carriers:
(i) Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile; and
(ii) Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless). ***Carriers are not liable for delayed or undelivered messages***
5. Message and data rates may apply. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the Services provided by this short code, you can send an email to info@insured.io.
6. If you have any questions regarding privacy, please read our Privacy Policy.
Your Account
If you use the Services, you are responsible for maintaining the confidentiality of your account, including username and password, and for restricting access to your computer – or other device. You further agree to assume responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that insured.io is not responsible for third party access to your account that results from theft or misappropriation of your account information. Insured.io and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Children under 18
We do not knowingly collect information from anyone under the age of 18 (or such other age as may be restricted under law). If you are under the age of 18, you may not use the Services without verifiable written permission from your parent or legal guardian.
Links to Third Party Sites / Third Party Services
The Services may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of insured.io and insured.io is not responsible for the content of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Insured.io is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by insured.io of the site or any association with its operators.
No Unlawful or Prohibited Use / Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use the Services strictly in accordance with these Terms. As condition of your use of the Services, you warrant to insured.io that you will not use the Services for any purpose that is unlawful or prohibited by these Terms. You may not use the Services in any manner which could damage, disable, overburden, or impair the Services or interfere with any other party’s use and enjoyment of the Services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Services.
All content included as part of the Services, such as text, graphics, logos, images, as well as the compilation thereof, and any software used by or through the Services, is the property of insured.io or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Services. Insured.io content is not for resale. Your use of the Services does not entitle you to make any unauthorized use of any protected content. Further, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of insured.io and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. Insured.io does not grant you any licenses, express or implied, to the intellectual property of insured.io or our licensors except as expressly authorized by these Terms.
Use of Communication Services
The Services may contain bulletin board services, chat areas, news groups, calendars and/or other message communication facilities designed to enable you to communicate with your insurance company, related third parties and/or insured.io (collectively, “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the Communication Service.
By way of example, and not as limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy and publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
International Users
The Service is controlled, operated and administered by insured.io from offices and data centers within the continental United States. If you access the Services from a location outside the United States, you are responsible for compliance with all local laws. You agree that you will not use the insured.io content accessed through the Services in any country or in any manner that may be prohibited by applicable laws, restrictions, or regulations.
Indemnification
You agree to indemnify, defend and hold harmless insured.io, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Services, your violation of any the Terms or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Insured.io reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with insured.io in asserting available defenses.
Liability Disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES INCLUDED OR AVAILABLE IN OR AVAILABLE THROUGH THE SERVICES MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. INSURED.IO AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SERVICES AT ANY TIME.
INSURED.IO AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SERVICES FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. INSURED.IO AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INSURED.IO AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE OR DATA, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SERVICES, WITH THE DELAY OR INABILITY TO USE THE SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE THE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE SERVICES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF INSURED.IO OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICES.
Termination / Access Restriction
Insured.io reserves the right, in its sole discretion, to terminate your access to the Services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California, and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Services. Use of the Services is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and insured.io as a result of this agreement or use of the Services. Insured.io’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is a derogation of insured.io’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Services or information provided to or gather by insured.io with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in full force and effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between, you, the User, and insured.io with respect to the Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and insured.io with respect to the Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
Insured.io reserves the right, in its sole discretion, to change the Terms under which the Services are offered. The most current version of the Terms will supersede all previous versions. Insured.io encourages you to periodically review the Terms to stay informed of our updates.
Contact Us
If you have any questions regarding the Terms, please contact us via email:
info@insured.io
By clicking “I accept” in the authorization box within the payment section of the insured.io Services, you are representing that you are the owner and / or authorized signer of the account; and you are agreeing to these Payment Authorization Terms which are also included in the Terms of Service you accepted when registering to use the Services.
Insured.io will securely handle your payment information in accordance with these Payment Authorization Terms, our Terms of Service and Privacy Policy.
Specifically, you expressly authorize insured.io to initiate and complete an electronic payment transaction (via credit card and/or via routing number and account number of your financial institution, whichever applies) on your behalf through the Services. This may include, if you have chosen to do so, automatic recurring payments on your credit card or bank e-check; or use of your saved payment method for quicker one-time payment transactions.
If you are enrolling in automatic recurring payments, you will receive a confirmation of your enrollment. If you do not receive a confirmation, please contact your insurance carrier for assistance. Also, depending on the business practices of your insurance carrier, after you receive confirmation of this enrollment you may not be receiving any further billing notices.
Please note that due to payment processing time, your transaction may not post to your account immediately. To prevent late fees or cancellations, check with your insurance carrier for specific payment related rules regarding due dates that may fall on weekends or holidays.
We use a third-party payment processor, at the direction of your insurance carrier for the Services. Your insurance carrier has existing processing related agreements with the third-party payment processor that do not include insured.io as a party. Insured.io is not liable for the third-party payment processor’s, or your insurance carrier’s actions. Payments may not be processed for certain activities such as illegal or other prohibited activities. Your relationship with the third-party payment processor and your insurance carrier is separate from your relationship with insured.io and may be governed by the terms and conditions contained in the processor’s, or the insurance carrier’s agreement. Insured.io is not responsible for the actions or omissions of any third-party payment processor or your insurance carrier.
You understand that your policy may cancel or expire if there are insufficient funds in the account, which, if you have registered, could remove the policy from automatic payment processing. In addition to any fees charged by the bank, your insurance carrier may charge a return item fee if the payment is dishonored or returned for any reason. Please check with your insurance carrier regarding returned items fees, as those may vary.
If you make a payment in error, or have other payment related questions or concerns, please contact your insurance carrier’s customer service department. Their contact information can usually be found on your billing statement or policy form(s).