Welcome to InsuranceLounge.com, (the “Web Site”), a web site where consumers and small businesses can research and shop for various insurance products. The Web Site is owned and operated by Insurance Lounge®, Inc. (hereinafter, the “Company” or “Insurance Lounge®“), a licensed insurance agency (see Licensing, below). The Company provides its services to you subject to the following conditions. If you visit or shop at this Web Site, you accept these conditions. Please read them carefully.

Legal Jurisdictions Only

The insurance services and products described on this Web Site are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing on this Web Site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

Use Limitation

This Web Site is for the use of consumers and small businesses that are researching and shopping for insurance products. You are not permitted to use this Web Site or its contents for any commercial or non-personal purpose (direct or indirect). The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing this Web Site.

Trademarks

Insurance Lounge®, Insurance Host, Insurance Hostess, and Insurance Concierge are registered trademarks of the Company. The Company’s trademarks may not be used in connection with any product or service that is not the Company’s, in any manner that is likely to cause confusion among customers or in any manner that disparages or discredits the Company. All trademarks not owned by the Company that appear on this Web Site are the property of their respective owners.

Copyrights

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of the Company and protected by United States and international copyright laws. All software used on this site is the property of the Company or its software suppliers and protected by United States and international copyright laws.

Your Account

If you use this Web Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Further, by using this Web Site, you warrant that you are at least 18 years of age and possess the legal authority to use this Web Site. The Company does not sell products to minors, but it sells them to adults. If you are purchasing a product on behalf of a minor, you agree to supervise all usage of this Web Site by minors under your name or account. The Company reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.

Cookies

Cookies are small text files sent to a user’s browser for data storage. These cookies allow us to identify that the same party is moving within the Web Sites without having departed to another Web site. Additionally, cookies allow us to determine the Web site, if any, which referred you to our Web Site. The cookies also allow us to enhance your activity and ascertain your site preferences on our Web Sites. Without cookies, some multimedia images and graphics may not display properly and you may have more difficulty navigating through the Web Sites. By themselves, cookies do not tell us your e-mail address or other personally identifiable information. Only you can provide that information on our Web Sites, if you choose to do so. We do not use cookies to collect, track, or store personally identifiable information. Our cookies will never be used to track your activity on any third-party Web sites or to send spam. We use cookies so you won’t have to reenter information each time you visit this Site. If you do not want to receive cookies from this Site, you can set your browser to not accept cookies.

Disclaimer of Warranties and Limited Liability

THIS WEB SITE IS PROVIDED BY THE COMPANY ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEB SITES ARE PROVIDED AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY THE COMPANY OF THE LINKED MATERIALS.TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF THE COMPANY IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Applicable Law

By visiting this Web Site, you agree that the laws of the State of Oregon, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that may arise between you and the Company. The only exception to this is information relating to Medicare plans, which is governed by Federal law.

Existing Insurance Coverage

DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

Licensing

This Web Site is brought to you by licensed brokers in each respective state which require insurance transactions to be conducted through a licensed agent/broker. Each agent/broker is associated with Insurance Lounge®, Inc., an Oregon corporation with principal places of business at:

Insurance Lounge, Inc
1221 NE 7th St
Grants Pass, OR 97526

LICENSE NO.

STATES

Oregon 16551113
Washington 805606
California
Nevada 813806
Arizona 1015680