TERMS AND CONDITIONS
Last updated on September 9, 2024. These Terms and Conditions are effective immediately for users accessing or using the Website and/or Service on or after September 9, 2024.
Rapid Quote™ is a mobile tool that provides insurance professionals a streamlined process to auto-fill forms with preset information (the “Tool”) provided by RapidQuote.AI, Inc. (“Rapid Quote”, we or us), an Arkansas corporation. The following Terms and Conditions (“Terms”) govern your ability to use and access any content, functionality and services offered through the Tool as registered user of the Tool providing services (“Services”).
Please read these Terms carefully before using this site. These Terms governs your access to and use of the Tool. The Tool is available for your use only on the condition that you agree to the terms of use set forth below. If you do not agree to all of the terms of use, do not access or use the Tool.
From time to time, we may modify the Terms. If we do so, we will make the modified Terms available through the Service, and indicate the date of the latest revision. We encourage you to review the Terms periodically for changes. Your continued use of the Service after revised Terms have become effective indicates that you have read, understood, and agreed to the current version of the Terms. If you do not agree with any changes to the Terms, you must cease using the Service.
PLEASE READ THE TERMS CAREFULLY. THROUGH USE OF THE TOOL OR SERVICES MEANS YOU ACKNOWLEDGE AND REPRESENT THAT 1) YOU HAVE READ THESE TERMS, 2) UNDERSTAND THEM, AND 3) AGREE TO BE BOUND BY THEM. YOU MAY NOT USE THE TOOL OR SERVICES UNLESS YOU ARE AT LEAST 13 YEARS OLD.
BY ACCESSING, USING OR MERELY BROWSING THE TOOL, YOU SIGNIFY YOUR AGREEMENT TO BE BOUND BY ALL TERMS, POLICIES AND GUIDELINES INCORPORATED BY REFERENCE INTO THESE TERMS.
RAPID QUOTE SERVICES
Rapid Quote™ is an internet browser tool that provides the following Services to Users:
The Services do not include User Content - your data or information, content, or other materials or information of any type that you provide to the Tool or otherwise provide to us. User Content is discussed more below.
Rapid Quote reserves the right, at any time and from time to time, temporarily or permanently, in whole or in part, to: modify or discontinue the Tool with or without notice; limit the Tool’s availability to any person, geographic area or jurisdiction we choose; charge or adjust fees in connection with the use of the Tool; modify and/or waive any fees charged in connection with the Tool; and/or offer opportunities to some or all users of the Tool. You agree that neither we nor any affiliated entity shall be liable to you or to any third party for any modification, suspension or discontinuance of the Tool, in whole or in part, or of any service, software, submission, feature, product or other Content offered through the Tool. You agree that these Terms will apply to any changes or updates to the Services. Rapid Quote will notify you of any change to the Services that reduces its functionality or features in any material respect or if it discontinues any Service and is not replaced by a substantially equivalent function or feature. If Rapid Quote has notified you under this section, you may terminate the affected Services upon providing notice to Rapid Quote.
Nothing in this section limits Rapid Quote’s ability to discontinue any Service or to make changes as required to comply with applicable law, address a material security risk, or avoid a substantial economic or technical burden.
Accounts
Visitors may download and access the Tool without registering for an account, but the features of the Tool and Services may require an account with Rapid Quote (“Account”).
A “User” is Account holder who accesses or in any way uses the Tool and/or the Services.
Username and Password
User access of the Tool will require you to use login credentials. These login credentials may be the login credentials to your Google Chrome account or supplemental credentials. You may be required to choose a password or change your password. Remember your login credentials, and do not share your login credentials with anyone. Your login credentials will identify you to us when you utilize our Tool. If you forget your login credentials, you may not be able to access certain portions of the Tool. You are solely responsible to maintain the confidentiality of your login credentials and for all activities when a user is logged into the Tool by your login credentials.
You agree to immediately notify Rapid Quote of any unauthorized use of your login credentials or any other security breach and ensure that you log out of the Tool at the end of each session. Rapid Quote will not be liable for damage or loss from your failure to comply with these Terms. You may be issued a new password or be required to change your password from time to time. Your login credentials combination are not transferable to other users.
Rapid Quote reserves the right to restrict, suspend, or terminate access to the Tool for any user (each, an "Account") because of inactivity or fraudulent activity under that Account, or any other reason we deem appropriate. We are available for your questions regarding use of the site at service@rapidquote.ai
Subscriptions
Some parts of the Services are charged on a subscription basis ("Subscriptions"). All charges for the Subscriptions are payable in advance on a monthly basis. Depending on your billing zip code, relevant state or local taxes may be added to your subscription price. If you are located outside the United States, the amount you pay for your Subscription may vary based on exchange rates or other considerations, and the price to be charged will be displayed before your purchase is finalized.
Automatic Renewal. At the end of each month, your Subscription will automatically renew unless it is canceled by either you or Rapid Quote. Other than where expressly provided in these Terms, all Subscription fees are non-refundable.
30 Day Money Back Policy. If for any reason you decide to cancel your account within 30 days of your first payment made directly to Rapid Quote, you are eligible for a refund – please submit your request to the Rapid Quote team at service@rapidquote.ai.
PAYMENTS
You will be asked to designate and provide information about your preferred payment method (e.g., credit card, online payment service, or any other payment method made available by Rapid Quote) to pay subscription, usage, and other fees for your Account. If you provide your payment information, you authorize us and certain third party service providers, payment card networks and payment processors to receive, store and encrypt your payment information. You may switch to a different payment method or update your information by updating your account information. No refunds or credits will be provided by Rapid Quote.
License and Ownership; Access to Tool
Any and all intellectual property rights (“Intellectual Property”) associated with the Tool and its contents (other than User Content), including all information, data, logos, marks, designs, graphics, pictures, sound files, other files and their selection and arrangement, (collectively, the “Content”), are the sole property of Rapid Quote, its affiliates or third parties. The Content is protected by copyright and other laws in both the United States and other countries. Elements of the Tool are also protected by trade dress, trade secret, unfair competition, and other laws and may not be copied or imitated in whole or in part. All custom graphics, icons, and other items that appear on the Tool are trademarks, service marks or trade dress (“Marks”) of Rapid Quote, its affiliates or other entities that have granted Rapid Quote the right and license to use such Marks and may not be used or interfered with in any manner without the express written consent of Rapid Quote. Except as otherwise expressly authorized by these Terms, you may not copy, reproduce, modify, lease, loan, sell, create derivative works from, upload, transmit, or distribute the Intellectual Property of the Tool in any way without the prior written permission of Rapid Quote or the appropriate third party. Except as expressly provided herein, Rapid Quote does not grant to you any express or implied rights to our or any third party's Intellectual Property.
User Content remains the property of the User. However, we need limited rights from you to operate the Tool. By submitting User Content, you grant Rapid Quote, its affiliates and subsidiaries a non-exclusive, royalty-free, nontransferable right to use, display, perform, reproduce, distribute, publish, modify, adapt, translate, and create derivative works from your User Content submitted by you to the Tool to the extent necessary to operate the Tool and to provide the services provided by the Tool, now and in the future.
Further, to the extent you have an active Account, we do not have an obligation to maintain your Content in perpetuity.
By providing User Content, you represent and warrant that you own and control all of the rights to the User Content, information and data that you provide to us or you otherwise have the lawful right to post and distribute that User Content, information and data to or through the Tool and the use and posting or other transmission of such User Content does not violate these Terms and will not violate any rights of or cause injury to any person or entity.
We grant you a limited, revocable, non-exclusive, license to access the Tool and to view, copy and print the portions of the Content available to you on the Tool. Such license is subject to these Terms specifically conditioned upon the following:
The license in this section is revocable by us at any time. You represent and warrant that your use of the Tool and the Content will be consistent with this license and will not infringe or violate the rights of any other party or breach any contract or legal duty to any other parties, or violate any applicable law.
You will indemnify, defend and hold harmless Rapid Quote, its affiliates, successors, and assigns, including the applicable officers, directors, employees, and agents thereof for damages, costs and attorneys’ fees Rapid Quote incurs from any unaffiliated third-party claim arising from your User Content or your use of the Services.
Our Right to Monitor, Edit, and Remove Content. We don't have an obligation to monitor your use of the Services or to review any User Content, but we have the right to monitor, remove, edit, and block Accounts for the purpose of operating the Services, to ensure compliance with these Terms, or to comply with applicable law or the order or requirement of a court, administrative agency, or other governmental body. We have the absolute discretion and reserve the right, at any time and without prior notice, to remove or disable access to any Account that we consider, in our sole discretion, to be in violation of these Terms or otherwise harmful to the Services. We do not have any responsibility or liability for any loss or damage the restriction or termination of your Account may cause to you or to other people.
General Restrictions on Use
You may not rent, transfer, assign, commercially exploit, resell, or sublicense access to the Services to any third party. You agree not to combine or integrate the Tool or Services with hardware, software, or other technology or materials not provided by us. You may not alter or create any derivative product based on the Tool or Services. Except as expressly stated in these Terms, no part of the Tool or Services may be copied, reproduced, republished, distributed, displayed, downloaded, posted, or transmitted in any form or by any means. Any future amendments to the Tool or Services shall be subject to these Terms.
You agree not to use the Tool or Services to violate local, state, national or international law; stalk, harass, or harm anyone; collect or store personal data about other users; impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity; or interfere with the Services or servers or networks connected to the Services, or disobey any requirements, procedures, policies, or regulations of networks connected to the Services.
In addition to other restrictions set forth in these Terms, you agree that:
TERM AND TERMINATION
These Terms will become effective and binding when you use the Tool or Service, or when you voluntarily register for an Account (whichever occurs first). We reserve the right to terminate your Account, and your access to the Tool and the Service at any time without notice. Your rights under these Terms will automatically and immediately terminate if you fail to comply with your promises and obligations stated in these Terms.
We may suspend your access to the Services if you have failed to pay any Fees within sixty (60) days after the relevant due date. If we suspend your use of the Services pursuant to our rights in these Terms, we will continue to charge you Fees during the suspension period and you must pay any outstanding Fees prior to us resuming the provision of the Services. We will only resume the provision of the Services once you have cured to our reasonable satisfaction the matter that caused the suspension.
You may terminate the Services at any time by written notice. If you choose to terminate these Terms, you will not be entitled to any credits or refunds as a result of such termination.
Upon termination of your account, you shall immediately cease use of all Services. You acknowledge and agree that following termination of your account, Rapid Quote shall have the right to maintain one copy of user data, User Content for archival purposes and compliance with state and federal law. Rapid Quote shall have no obligation to maintain or provide any User Content and shall, unless legally prohibited, delete in such a manner as prevents recovery through normal means, all User Content in its systems or otherwise in its possession or under its control.
DISCLAIMER OF WARRANTIES
RAPID QUOTE MAKES NO REPRESENTATIONS ABOUT THE RESULTS TO BE OBTAINED FROM USING THE TOOL OR THE CONTENT. THE USE OF SAME IS AT YOUR OWN RISK.
RAPID QUOTE MAKES COMMERCIALLY REASONABLE EFFORTS TO ENSURE THAT ALL INFORMATION CONTAINED ON THE TOOL AND TOOL IS ACCURATE AND UP TO DATE. NEVERTHELESS, YOU MUST EVALUATE THE INFORMATION AND CONTENT OF THE TOOL. YOUR USE OF THE TOOL IS EXCLUSIVELY AT YOUR OWN RISK AND THE TOOL, THE TOOL, THE SERVICES AND THE CONTENT ARE PROVIDED ON AN "AS IS" BASIS. RAPID QUOTE, ITS LICENSORS, AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND FITNESS FOR A PARTICULAR PURPOSE. RAPID QUOTE AND ITS AFFILIATES, LICENSORS AND SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, RELIABLENESS, COMPLETENESS, SECURITY, TIMELINESS OF THE CONTENT OR SERVICES PROVIDED ON OR THROUGH THE USE OF THE TOOL, OR IF YOUR USE OF THE TOOL WILL MEET YOUR REQUIREMENTS. NO INFORMATION OBTAINED BY YOU FROM THE TOOL SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED BY RAPID QUOTE IN THESE TERMS.
SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTY, SO THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION MAY NOT APPLY TO YOU. IF YOU ARE DEALING AS A CONSUMER, YOUR STATUTORY RIGHTS THAT CANNOT BE WAIVED, IF ANY, ARE NOT AFFECTED BY THESE PROVISIONS. YOU AGREE AND ACKNOWLEDGE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND WARRANTY PROVIDED IN THESE TERMS ARE FAIR AND REASONABLE.
LIMITATION OF LIABILITY
TO THE EXTENT PERMITTED BY APPLICABLE LAW AND TO THE EXTENT THAT RAPID QUOTE IS OTHERWISE FOUND RESPONSIBLE FOR ANY DAMAGES, RAPID QUOTE IS RESPONSIBLE FOR ACTUAL DAMAGES ONLY TO THE EXTENT PERMITTED BY LAW, IN NO EVENT SHALL RAPID QUOTE, ITS AFFILIATES, ITS LICENSORS, ITS SUPPLIERS OR ANY THIRD PARTIES MENTIONED AT THE TOOL BE LIABLE FOR ANY INCIDENTAL, INDIRECT, EXEMPLARY, PUNITIVE AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION RESULTING FROM THE USE OF OR INABILITY TO USE THE TOOL, THE SERVICES OR THE CONTENT WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLECT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT RAPID QUOTE IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT PERMITTED BY LAW, THE REMEDIES STATED FOR YOU IN THESE TERMS ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THESE TERMS. YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE WITH RAPID QUOTE IS TO DISCONTINUE YOUR USE OF THE TOOL AND THE SERVICES. RAPID QUOTE IS NOT RESPONSIBLE FOR WHETHER ONLINE OR OFFLINE, OF ANY USER OF THE TOOL. UNDER NO CIRCUMSTANCES WILL RAPID QUOTE BE RESPONSIBLE FOR ANY LOSS OR DAMAGE, INCLUDING PERSONAL INJURY OR DEATH, RESULTING FROM ANYONE’S USE OF THE TOOL, THE CONTENT POSTED ON THE TOOL OR TRANSMITTED TO USERS, OR ANY INTERACTIONS BETWEEN OR AMONG USERS OF THE TOOL, WHETHER ONLINE OR OFFLINE.
Compliance with Law
You agree to use the Tool in strict compliance with all applicable laws, rulings and regulations and in a fashion that does not, in the sole judgment of Rapid Quote, negatively reflect on the goodwill or reputation of Rapid Quote and shall take no actions which would cause Rapid Quote to be in violation of any laws, rulings or regulations applicable to Rapid Quote.
ARBITRATION NOTICE/DISPUTE RESOLUTION
Governing Law; Venue
By using the Services, you agree that the Federal Arbitration Act, applicable federal law, and the laws of the state of Arkansas, without regard to principles of conflict of laws, will govern these Terms and any dispute of any sort that might arise between you and us. The parties agree that any disputes shall be resolved by binding arbitration or litigation, as provided herein, in Washington County, Arkansas.
Disputes
Any dispute or claim arising from or relating in any way to your use of the Services provided by Unknown Golf or these Terms will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act and federal arbitration law apply to this arbitration agreement. The laws of the State of Arkansas, without regard to conflicts of laws, will be applied by the arbitrator unless otherwise agreed by the parties.
The arbitration will be conducted by the American Arbitration Association (AAA) under its rules, including the AAA's Supplementary Procedures for Consumer-Related Disputes to the extent applicable. The AAA's rules are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules. To begin an arbitration proceeding, visit AAA’s website (www.adr.org) for instructions.
We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action, unless otherwise agreed by all parties. Class action lawsuits, class-wide arbitrations, private attorney-general actions, and any other proceeding where someone acts in a representative capacity aren’t allowed. Nor is combining individual proceedings without the consent of all parties. Unless we each agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding.
We also both agree that the terms “dispute” and “claim” as used in this section are as broad as they can be and include any claim or controversy between you and us concerning the Services, the software related to the Services, the Services’ or software’s price, or these Terms, under any legal theory including contract, warranty, tort, statute, or regulation, except disputes relating to the enforceability or validity of your, your licensors’, our, or our licensors’ intellectual property rights. You or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.
Electronic Communications; Feedback
When you send e-mail to Rapid Quote, you are communicating electronically and Rapid Quote will communicate with you by e-mail. We may also communicate by posting notices on the Tool or through push notifications. You agree that all notices, disclosures, and other communications that Rapid Quote makes electronically satisfy any legal requirement that such communications be in writing. If you want to withdraw this consent, please stop using this Tool.
We always appreciate your feedback and other suggestions about our Services and the Tool. You agree that we may use any feedback, suggestions, comments, information, ideas, concepts, reviews, or techniques or any other material contained in any communication you may send to us ("Feedback"), without any restriction, acknowledgment, or compensation paid to you, for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products and creating, modifying or improving the Tool and/or Services. In addition, you agree not to enforce any "moral rights" in and to the Feedback, to the extent permitted by applicable law. We are under no obligation to keep your Feedback confidential.
General
You may not assign your account or any of your interests, rights or obligations under these Terms. If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
Rapid Quote is based in the state of Arkansas in the United States. Rapid Quote makes no claims that accessing or using the Rapid Quote Tool or any of the other Rapid Quote Services or any of the tools or content is accessible or appropriate outside of the United States. Accessing or using the Rapid Quote Tool or any of the other Rapid Quote Services may not be legal by certain persons or in certain countries. If you access any of the Rapid Quote Services from outside the United States, you do so on your own initiative and are responsible for compliance with local laws and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against Rapid Quote with respect thereto.
AMENDMENTS
As stated above, we may amend these Terms at any time and for any reason. We ask that you stay up-to-date with this Terms. When we make changes to these Terms, we will notify you of the changes by posting the revised version on our website. Any changes will become effective upon the earlier of thirty (30) calendar days following our e-mail notice to you (if applicable) or thirty (30) calendar days following our posting notice of the changes on our Tool. Changes will be effective immediately for new users of our Tool or Services.
If you object to any such changes, we ask that you cease using the Tool and the Services. By continuing to use the website after we have posted modifications or amendments to the Terms, you consent to such amendments and/or modifications. For this reason, we encourage you to review the Terms whenever you use the Tool or Services.
If you have any questions or concerns regarding the Terms of Use, please contact us at service@rapidquote.ai.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.