Effective July 7, 2009
By using The Insurance Owl.com in any manner (whether browsing, using a calculator or the The Insurance Owl Auto Coverage Guide, following a link, sending an e-mail to an The Insurance Owl.com e-mail address, obtaining or saving or retrieving a premium estimate, making a purchase, or using any other content or materials on The Insurance Owl.com), you agree to all terms and conditions contained or referenced in these Terms of Use. These Terms of Use apply only to your use of The Insurance Owl.com and do not change or alter any other agreement or contract between you and The Insurance Owl.
The Insurance Owl reserves the right, in its sole discretion, to modify or change these Terms of Use at any time without prior notice to you. Your continued use of The Insurance Owl.com following the posting of any changes to the Terms of Use constitutes acceptance of those changes. If at any time you choose not to accept these Terms of Use, please do not use this Web site or send e-mail to any The Insurance Owl.com e-mail address.
Jurisdictional Statement
This Web site is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Web site are appropriate or made available for use outside of the United States of America.
Our Privacy Statement describes our use and protection of nonpublic personal information (“customer information”) and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our Privacy Statement.
Ownership of Materials and Restrictions on Use
The information on this Web site, along with any materials (including, for example, press releases and product descriptions) is the copyrighted work of The Insurance Owl and is protected under United States and worldwide copyright laws and treaty provisions. The Insurance Owl grants you permission to copy such materials so long as each copy: (i) is solely for informational, non-commercial use and is not modified or revised in any manner; (ii) plainly displays all copyright and other proprietary notices, in the same form and manner as on the original; and (iii) displays a statement that the materials are used solely with permission of The Insurance Owl. To seek permission for any other use, please contact The Insurance Owl.
Bulk E-Mail and Other Prohibited E-Mail
The The Insurance Owl computer network (which includes, but is not limited to, the technology and applications which support the e-mail functionality The Insurance Owl provides its officers, employees, independent contractor agents, and other authorized users) is the private property of The Insurance Owl.
The Insurance Owl prohibits any bulk e-mail transmissions to be sent, or caused to be sent, over the Internet to The Insurance Owl.com e-mail addresses unless The Insurance Owl, through one of its officers, has specifically requested or authorized the sending of such bulk e-mail. For purposes of these Terms of Use, the word “bulk” shall mean an e-mail message, or group of identical or similar e-mail messages, sent to more than 20 different The Insurance Owl.com addresses in any 24-hour period. The Insurance Owl also prohibits any e-mail transmissions of the following types to be sent, or caused to be sent, over the Internet to more than 5 different The Insurance Owl.com e-mail addresses in any 24-hour period unless The Insurance Owl, through one of its officers, has authorized the sending of such e-mail: (1) commercial advertising; (2) informational announcements; (3) political or religious tracts; or (4) solicitations for funds or donations.
The Insurance Owl prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any The Insurance Owl.com e-mail addresses if the e-mail is intended to, or appears intended to, harass, embarrass, threaten, defame or impersonate any person, or if the e-mail is pornographic, offensive, indecent, discriminatory or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation or disability.
The Insurance Owl prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any The Insurance Owl.com e-mail address that makes use of a forged header or deceptive addressing, or which attempts in any manner to disguise the source of the e-mail. The Insurance Owl reserves the right to take all legal and technical steps available, including pursuing civil remedies and criminal prosecution, to prevent bulk or other prohibited e-mail from entering, utilizing or remaining within the The Insurance Owl computer network.
Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, the The Insurance Owl computer network. The Insurance Owl’s failure to enforce this policy in every instance in which it might have application does not amount to a waiver of The Insurance Owl’s rights.
Links to Other Web Site
This Web site contains links to other sites. The Insurance Owl provides links to other sites as a convenience to persons who visit the The Insurance Owl Web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with The Insurance Owl). Please be aware that The Insurance Owl is not responsible for the privacy practices of those sites, even though The Insurance Owl’s name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Web site. The Insurance Owl is not responsible for the contents of any linked site or any link contained in a linked site.
Links to TheInsuranceOwl.com
The Insurance Owl appreciates your interest in linking your Web Site (the “Linking Site”) to The Insurance Owl’s Web site, located at www.The Insurance Owl.com. In order to avoid misunderstandings regarding the use of The Insurance Owl’s trademarks, trade names and other proprietary information, The Insurance Owl asks that you review and agree to the following guidelines: Third parties are authorized to include active links on Web sites they control to direct a browser to The Insurance Owl’s “home page” at http://www.The Insurance Owl.com. However, third parties may not include on their Web sites links to any other page maintained on the The Insurance Owl.com Web site unless they have received prior written permission of an officer of The Insurance Owl or unless the Linking Site is an Internet search engine. Framing. Unless you have received specific written permission from The Insurance Owl, you may not (a) “frame” or otherwise impose editorial comment, commercial material or any type of identification on (or in proximity to) content displayed on the The Insurance Owl Web site (“The Insurance Owl Content”), (b) alter or modify The Insurance Owl Content, or (c) “cut and paste” or otherwise reproduce The Insurance Owl Content on the Linking Site. No Archiving. Your link must be to the current The Insurance Owl site only. In permitting linking, The Insurance Owl does not grant you the right to reproduce, modify, cache or archive the The Insurance Owl Content for any purpose. Link At Your Own Risk. The Insurance Owl makes no representations or warranties regarding the The Insurance Owl Web site, which is provided “as is.” Linking Sites link to the The Insurance Owl Web site at their own risk. The Insurance Owl is under no obligation to maintain the The Insurance Owl Web site, provide or update The Insurance Owl Content or otherwise support your link to the The Insurance Owl Web site. Termination. The Insurance Owl may revoke this license immediately if you fail to follow these guidelines. The Insurance Owl may revoke this license upon ten (10) days notice without cause.
