PLEASE REVIEW THESE TERMS OF SERVICE CAREFULLY BEFORE USING POLICYUNITY. THEY GOVERN YOUR LEGAL RIGHTS AND OBLIGATIONS, INCLUDE WAIVERS OF CERTAIN RIGHTS AND LIMITATIONS ON LIABILITY, AND REQUIRE THAT MOST DISPUTES BETWEEN YOU AND US BE SETTLED THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN A COURT — WITH A WAIVER OF YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDINGS, EXCEPT FOR LIMITED CARVE-OUTS DESCRIBED BELOW. IF YOU DO NOT TIMELY OPT OUT UNDER THE OPT-OUT PROCEDURE SET FORTH HEREIN, THESE TERMS WILL APPLY TO YOU. THE COMPLETE ARBITRATION AGREEMENT APPEARS LATER IN THIS DOCUMENT.
1. Introduction
Welcome to PolicyUnity. These Terms of Use ("Terms") set out the ground rules for how you can access and use our Services and frame the relationship between you and us. In plain language, they cover: (i) what you can expect from PolicyUnity; (ii) what we expect from you in return; (iii) who is permitted to do what with Your Content and on the Services; and (iv) how any disagreement between the two of us will be handled.
When you use the Services, you are entering into a binding contract with us that incorporates these Terms. Certain features, products, or sections of the Services may also be subject to separate "Other Terms." When you use any part of the Services that is governed by Other Terms, you agree to be bound by those additional terms together with these Terms.
Our handling of personal data is explained separately. Please read our Privacy Policy to understand how we collect, use, and protect information. By using the Services, you acknowledge the Privacy Policy as well.
2. Definitions
Throughout these Terms, the capitalized words below carry the meanings given here (or as defined elsewhere in the document). A few lowercase terms are also clarified for convenience.
"ADR Services" refers to ADR Services, Inc. (www.adrservices.com).
"ADR Services Batching Procedure" means an arbitration process administered by ADR Services in which (i) disputes are handled in batches of at least 20 (with ADR Services able to create additional batches when useful for efficient resolution), and (ii) a single initial filing fee and administrative fee apply per batch for each side, in accordance with ADR Services' then-current Mass Consumer Non-Employment Arbitration Fee Schedule.
"ADR Services Rules" means the rules and procedures of ADR Services that are in effect at the relevant time.
"PolicyUnity," "we," "our," and "us" refers to PolicyUnity, together with its employees, directors, officers, and shareholders.
"PolicyUnity Parties" collectively means PolicyUnity and its predecessors, successors, parents, subsidiaries, affiliates, and assigns, along with the past, present, and future employees, directors, officers, shareholders, independent contractors, parents, subsidiaries, affiliates, predecessors, successors, and assigns of each of those entities.
"Content" covers, broadly, anything that can be created, uploaded, displayed, or distributed — including graphics, pictures, images, artwork, video, animations, audio, sounds, music, audio-visual effects, text, titles, names, themes, dialogue, characters, story elements, ideas, virtual items, patterns, textures, designs, models, interactive features, code, scripts, software, metadata, digital works, feedback, suggestions, messages, reviews, files, documents, and any other comparable material.
"Dispute" means any disagreement, claim, or controversy — past, present, or future — between you and any PolicyUnity Party. This includes anything arising out of or related to the Services, these Terms, or any Other Terms, including questions about how the Terms or Arbitration Agreement should be formed, interpreted, applied, enforced, terminated, or limited in scope or validity.
"DMCA" refers to the Digital Millennium Copyright Act, 17 U.S.C. § 512.
"FAA" refers to the Federal Arbitration Act, 9 U.S.C. § 1 et seq.
"Ideas" means the products of thought.
"IP" means any intellectual property right or interest — registered or unregistered — under the law of any jurisdiction, including copyrights, trademarks, patents, trade secrets, and other proprietary rights.
"Laws" means every applicable law, rule, statute, ordinance, regulation, code, treaty, directive, regulatory requirement, regulatory guidance, and binding agreement that relates to the Services or any Content.
"Licensed Parties" means the PolicyUnity Parties together with their respective partners, representatives, agents, and licensees.
"NAM" refers to National Arbitration and Mediation (www.namadr.com).
"NAM Rules" means NAM's Comprehensive Dispute Resolution Rules and Procedures, together with (where applicable) its Mass Filing Supplemental Dispute Resolution Rules and Procedures, in each case as in effect at the relevant time.
"Notice of Dispute" (or "Notice") means a written notice that you send to any PolicyUnity Party about a Dispute.
"Notice Address" means the email address listed in our contact section, to which any Notice of Dispute must be sent.
"Other Terms" means any other agreement, addendum, or set of terms between you and PolicyUnity that is governed by, or that expressly incorporates, these Terms.
"Our Content" means the Services and any IP or Content owned by or supplied by or on behalf of the PolicyUnity Parties — including any software, technology, tools, designs, templates, or other materials we make available to users.
"Persona" means, collectively, a person's name, brand, likeness, image, social media handle(s), avatar, signature, voice, performance, profile, and biographical information.
"Platform Terms" means the terms of use and other policies that govern relevant third-party platforms.
"Products" means any products offered for purchase through the Services.
"Services" means any website, application, software, tool, feature, technical product, experience, or documentation made available by PolicyUnity or any other PolicyUnity Party.
"Terms" means these Terms of Use, as updated from time to time.
"You" or "you" means the individual entering into these Terms with PolicyUnity, or — if that individual is acting on behalf of a legal entity — that entity.
"Your Content" means anything you create, submit, store, upload, broadcast, supply, or share through the Services, or that you otherwise provide to PolicyUnity (including any Persona to the extent included in such Content). Your Content does not include Our Content or Content provided by other users.
3. Your Relationship With Us
A. What you can expect from us
Access to the Services. We may offer a variety of Services from time to time, and your use of each is governed by these Terms.
Ongoing development. We may release new features, technologies, or improvements that change how the Services work. We may also retire features, sections, or entire Services. Where a meaningful change to your use is planned — or where we decide to discontinue a service — we will try to give you advance notice, unless circumstances make that impractical (for example, where there is an urgent security, abuse, or legal issue to address).
Changes to these Terms. We can make non-material updates to these Terms or any Other Terms at any time without prior notice. If a change would materially affect your rights, we will notify you to the extent we have your contact information. If you do not accept any change, you must stop using the Services. If you keep using the Services after a change has taken effect, that constitutes your acceptance of the updated Terms or Other Terms.
B. What we expect from you
Comply with the rules. Your permission to use the Services depends on your ongoing compliance with (1) these Terms and (2) any Other Terms that apply to a specific use of the Services. Where there is a conflict between these Terms and Other Terms, the Other Terms will control. We will let you know when Other Terms apply to a particular feature or activity.
Give us accurate information. We may ask you to provide information at various points, including where the law requires it. You agree to provide only information that is accurate and complete. Inaccurate, incomplete, or withheld information may limit your ability to access or use some features of the Services.
Feedback and ideas. If you choose to share comments, feedback, suggestions, or ideas with us, the PolicyUnity Parties and all other Licensed Parties may use those submissions freely — without notice, payment, attribution, or any other obligation to you. PolicyUnity Parties do not solicit and do not accept unsolicited Content or Ideas (including those relating to Products, Services, websites, or features). You also acknowledge that the PolicyUnity Parties and other Licensed Parties may already be working on (or may later develop or receive) other ideas that are similar to, or even identical to, anything you submit; in any such case, none of the PolicyUnity Parties or other Licensed Parties will owe you anything, whether on a theory of direct, indirect, contributory, vicarious, or secondary liability, or for any claim of infringement of (or failure to protect) any copyright. Neither the PolicyUnity Parties nor any other Licensed Party is responsible for any unauthorized use of an idea by a third party.
Representations and warranties. By using the Services, you represent and warrant that:
- you have the legal capacity and authority to enter into these Terms and any applicable Other Terms;
- your use of the Services and your performance of any Other Terms will not violate any third-party right, any applicable Law, or any Platform Terms;
- your use of the Services is for personal enjoyment or for any purpose expressly permitted by any applicable Other Terms — and not for any commercial purpose;
- you either own the rights in Your Content outright or, if not, have obtained every right necessary to grant PolicyUnity and the other Licensed Parties the rights described in these Terms (including all sublicense rights);
- the use of Your Content as contemplated by these Terms or any Other Terms will not infringe these Terms, any Other Terms, any Law, any Platform Terms, or any third-party right (including IP, privacy, or publicity rights), and will not cause PolicyUnity or any other Licensed Party to incur additional fees; and
- if Your Content incorporates any third-party IP (such as logos, brand names, or designs), the use is authorized by the relevant rights-holder or otherwise permitted under fair use or other applicable Laws.
4. Using the Services
A. Age Requirements
You must be at least eighteen (18) years old to use the Services. If you are below the legal age of majority in your jurisdiction, please ask a parent or legal guardian for help — only they can agree to these Terms on your behalf. If you are a parent or guardian permitting a minor to use the Services, you agree that these Terms apply to you, and you accept responsibility for the minor's activity on the Services as well as your own — including any purchases or transactions made by either of you.
B. Authorized Entities
The Services are sometimes used by businesses and other organizations. If you are using the Services on behalf of a person, organization, or entity, you must be an authorized representative of that party, and by accepting these Terms you do so on its behalf as well as your own.
C. Mobile Services
Carrier charges and data usage. If you access the Services from a mobile device, your mobile carrier's standard rates, fees, and data charges may apply.
Device compatibility. Although we design the Services to work on a wide range of mobile devices, we cannot guarantee that every feature will work — or work well — on every device. It is your responsibility to make sure your device is compatible.
Mobile security. Using the Services on a mobile device can introduce additional security risks. You are responsible for keeping your device secure, including keeping its software up to date and preventing unauthorized access.
D. Using the Services Responsibly
The Services are operated from within the United States, and we make no claim that the Services (or any part of them) are appropriate or available for use anywhere else. Anyone who chooses to access the Services from outside the United States does so on their own initiative and at their own risk, and is responsible for complying with applicable local laws.
We need a few ground rules to keep the Services usable and to protect everyone's rights. You agree that you will (a) treat PolicyUnity, all other Licensed Parties, and every other user with respect, and (b) comply with all applicable Laws and Platform Terms.
You agree that you will not do any of the following — unless a Law specifically permits it or you have our prior written authorization:
- share, download, copy, modify, distribute, transmit, display, perform, reproduce, duplicate, publish, license, create derivatives of, or offer for sale any information contained in, or obtained from or through, the Services;
- copy, alter, break, decompile, reverse engineer, disassemble, or decode the Services (or any underlying idea or algorithm), or attempt to do any of those things;
- share, upload, distribute, transmit, display, perform, reproduce, duplicate, or publish any file that contains malicious code, viruses, corrupted data, or similar software capable of damaging another person's computer or network, or the Services;
- use, reproduce, or remove any proprietary notice (such as a copyright or trademark notice) displayed on or through the Services;
- use cheats, bots, hacks, mods, or any other unauthorized third-party software designed to alter the Services;
- exploit the Services for any commercial purpose, including any commercial solicitation or advertisement;
- use the Services in a way that could disable, overburden, damage, disrupt, or otherwise impair any part of the Services or another user's enjoyment of them, or use any device, software, or routine that has that effect;
- attempt to gain unauthorized access to the Services or any related systems or networks, or interfere with, overload, damage, disrupt, or otherwise impair them;
- use, or try to use, another person's device without their permission;
- defeat, bypass, alter, deactivate, or weaken any security feature or content protection associated with the Services;
- use any bot, spider, crawler, scraper, or other automated process to intercept, "mine," monitor, copy, or extract information from the Services — or do any of those things manually (no robots.txt file or similar protocol shall be construed as granting written permission for any of the activities prohibited by this paragraph);
- introduce viruses, trojan horses, worms, logic bombs, or other malicious or technologically harmful material;
- use the Services for, or post Content that is, harmful, harassing, unethical, fraudulent, obscene, vulgar, abusive, profane, disruptive, or otherwise objectionable, or that violates any contractual or fiduciary obligation;
- share, upload, distribute, transmit, display, perform, reproduce, duplicate, or publish any deceptive, unfair, or misleading statement or any unauthorized promotional material (including chain letters, pyramid schemes, junk mail, spam, or unsolicited advertising);
- impersonate any person or entity — real or fictitious — including any employee or representative of a PolicyUnity Party, or misrepresent your relationship with any entity (including any PolicyUnity Party);
- violate any applicable Law or Platform Terms while using the Services;
- use the Services in any way not expressly permitted by these Terms or Other Terms; or
- encourage or assist any other person or entity in doing any of the above.
5. Content on the Services
A. Our Content
The Services contain Our Content, which belongs to the relevant PolicyUnity Party. As between you and the PolicyUnity Parties, the relevant PolicyUnity Party is and will remain the sole owner of Our Content. You are granted limited permission to use Our Content only to the extent needed to use the Services, and only as permitted by these Terms and any Other Terms. We (and any other Licensed Parties, where applicable) retain every right in Our Content. You agree not to violate, infringe, or misappropriate our IP rights or Our Content.
B. Other People's Content
Through the Services you may encounter Content that belongs to other people. You may interact with that Content as the Services, these Terms, and any Other Terms allow — but nothing here gives you the right to use someone else's Content in any other way without the relevant rights-holder's permission.
6. Issues, Claims, Risks, and Disputes
A. Warranty Disclaimer
We are always working to improve the Services. That said, for legal reasons we provide the Services without warranties, unless we have specifically agreed otherwise in writing through Other Terms. The law requires us to spell this out in capital letters, so:
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT ANY WARRANTY OF ANY KIND — EXPRESS, IMPLIED, OR STATUTORY — INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICES (OR ANY OF THEIR CONTENT OR FEATURES) ARE ACCURATE, RELIABLE, AVAILABLE, OR SUITED TO YOUR NEEDS.
B. Assumptions of Risk
Parts of the Services depend on third parties. You agree that PolicyUnity Parties do not control those third parties and are not responsible for any loss or harm — direct or indirect — caused by them.
Content on the Services is informational only. Anything published on or through the Services is provided for general informational purposes and is not a substitute for professional advice from a qualified expert. Do not rely on it when making significant personal, professional, medical, legal, or financial decisions. We strongly recommend consulting a licensed professional before acting on anything you see on the Services. By using the Services or any Products, you accept that any reliance on the Content is at your own risk. Neither the PolicyUnity Parties nor any other Licensed Party will be liable for any damage or loss that results from any use or misuse of the Content or Products.
C. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ANY POLICYUNITY PARTY OR ANY OTHER LICENSED PARTY BE LIABLE (JOINTLY OR INDIVIDUALLY) FOR: (1) ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES; (2) ANY DAMAGES ARISING FROM INTERRUPTIONS, LOSS OR DELETION OF FILES, EMAIL, OR DATA, SYSTEM ERROR, FAILURE OR MALFUNCTION, VIRUSES, DELAYS, OR LOSS OF PROFITS, REVENUE, DATA, USE, BUSINESS, OR GOODWILL; OR (3) ANY DAMAGES ARISING OUT OF YOUR MISUSE OF THE SERVICES OR ANY CONTENT AVAILABLE THROUGH THEM. THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY ASSERTED, WHETHER CONTRACT, INDEMNIFICATION, TORT, STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL OR EQUITABLE BASIS.
WHERE APPLICABLE LAW DOES NOT PERMIT ALL OR PART OF THE ABOVE LIMITATION TO APPLY, IT WILL APPLY TO THE FULLEST EXTENT PERMITTED BY THAT LAW.
D. If You Break These Rules
Before taking the actions described below, we may attempt to contact you first — unless doing so would harm someone else, compromise the Services, or run afoul of any Law. If you violate a Law, these Terms, or any Other Terms and we do not immediately act, that does not waive any right we may have. We may take action later.
If Your Content violates these Terms, any Other Terms, any Law, or another person's rights, we may remove it.
E. Termination
We may suspend or end your access to the Services if you violate these Terms, any Other Terms, any Law, any Platform Terms, or another person's rights — or for any other reason in our sole discretion. If your access is terminated, any license you were granted in connection with the Services ends immediately.
F. Indemnification
If PolicyUnity or any other Licensed Party is sued because of you, you may have to pay for the defense, including legal fees. You agree to defend, indemnify, and hold harmless the PolicyUnity Parties and all other Licensed Parties (together with their officers, directors, shareholders, employees, and independent contractors) from any claim arising out of or related to your use or alleged misuse of the Services, your violation of these Terms or any Other Terms, Your Content, or your negligence or misconduct. This covers all liabilities and expenses arising from those claims — including losses, damages, judgments, fines, litigation costs, and reasonable attorneys' fees. You agree to cooperate fully in the defense of any such claim. Any PolicyUnity Party may, at its own expense, assume sole control of the defense of any matter for which you are required to provide indemnification.
G. Resolving Disputes; Agreement to Arbitrate; Class Action and Jury Waiver
READ THIS SECTION (THE "ARBITRATION AGREEMENT") CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS. IT REQUIRES THAT MOST DISPUTES BE RESOLVED THROUGH INDIVIDUAL ARBITRATION INSTEAD OF COURT TRIALS OR CLASS ACTIONS. IT ALSO INCLUDES A JURY-TRIAL WAIVER AND A WAIVER OF YOUR RIGHT TO PROCEED IN ANY CLASS, COLLECTIVE, PRIVATE-ATTORNEY-GENERAL, REPRESENTATIVE, OR CONSOLIDATED PROCEEDING, TO THE FULLEST EXTENT PERMITTED BY LAW. UNLESS YOU TIMELY OPT OUT UNDER THE PROCEDURE SET FORTH BELOW, THIS ARBITRATION AGREEMENT WILL APPLY TO YOU.
G.1 Mandatory Individual Arbitration
Every Dispute — whether it arose before, at the time of, or after your acceptance of these Terms — that is not resolved through the informal dispute resolution process described in Section G.4 must be resolved solely by individual, binding arbitration under this Arbitration Agreement. The arbitrator (and not any federal, state, or local court or agency) has exclusive authority to decide any question about the interpretation, applicability, enforceability, or formation of this Arbitration Agreement, including any claim that all or part of it is void or voidable. The arbitrator also decides all threshold arbitrability issues — including whether any portion of these Terms is unconscionable or illusory, and whether any defense to arbitration (such as waiver, delay, laches, or estoppel) applies.
Despite the above and the class-action/jury-trial waiver below, both you and the PolicyUnity Parties keep the right to seek injunctive or other equitable relief in a court of competent jurisdiction to stop actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other IP rights. Any legal action brought by PolicyUnity Parties against a non-consumer, or their dealings with governmental or regulatory authorities, is also not subject to arbitration. Either party may also choose to pursue a Dispute in small claims court for individualized relief only, so long as the matter is not removed or appealed to a court of general jurisdiction.
To the fullest extent allowed by law, any Dispute against the PolicyUnity Parties — including any Dispute arising out of or related to the Services or the Terms — must be filed within one year after the Dispute or cause of action arose, or it will be barred forever.
If any Dispute is determined not to be subject to arbitration or small-claims court, exclusive jurisdiction and venue for that Dispute lies with the state or federal courts of competent jurisdiction in Delaware, and that Dispute and these Terms will be governed by and construed under Delaware's substantive and procedural law (without regard to conflict-of-law principles).
G.2 Class Action / Jury Trial Waiver
To the fullest extent permitted by law, you and the PolicyUnity Parties each give up the right to a trial by jury and the right to participate as a plaintiff, claimant, or class member in any class, collective, private-attorney-general, representative, or consolidated proceeding (other than the Mass Filing Procedures permitted below). That means neither you nor PolicyUnity Parties may bring a Dispute on behalf of a class or other group, or on behalf of another person, except as a parent, guardian, or similar legal representative for someone who cannot bring their own claim. It also means that you and PolicyUnity Parties cannot participate in any class, collective, private-attorney-general, representative, or consolidated proceeding (other than the permitted Mass Filing Procedures) brought by anyone else.
Unless you and the PolicyUnity Parties agree in writing, any arbitration will be conducted only on an individual basis, not on a class, collective, representative, or consolidated basis (other than the permitted Mass Filing Procedures). However, you or PolicyUnity Parties may participate in a class-wide settlement.
G.3 Opt-Out Procedures
You may opt out of this Arbitration Agreement by sending a written notice (an "Opt-Out Notice") to [email protected] within 30 days after you first agreed to this Arbitration Agreement (the "Opt-Out Period"). The Opt-Out Notice must include your full legal name, your full mailing and email address and phone number, a clear statement that you are opting out of this Arbitration Agreement, and your signature. Once the Opt-Out Period has ended, you are no longer eligible to opt out and will remain bound by this Arbitration Agreement.
If you opt out, every other provision of these Terms continues to apply. If we make any future change to this Arbitration Agreement (other than to the Notice Address or another non-material item), we will provide notice to the extent we have your contact information. You may reject any such change by sending an email within 30 days of the posting of the amended Arbitration Agreement. Doing this is not the same as opting out of arbitration altogether. If you continue using the Services after the 30-day period, you accept the amended Arbitration Agreement.
G.4 Rules and Governing Law
Mandatory Pre-Arbitration Notice and Informal Dispute Resolution. Many disputes can be resolved more quickly, cheaply, and amicably through informal good-faith discussion. Accordingly, before initiating arbitration, you and the PolicyUnity Parties must each send the other a written Notice of Dispute. A Notice of Dispute from you must be emailed to the Notice Address. The Notice must include: (i) the claimant's full legal name, mailing address, and email address; (ii) a description of the nature and basis of the Dispute; (iii) any relevant facts about the claimant's use of the Services — including whether the claimant receives emails associated with the Services, whether the claimant has purchased anything from a PolicyUnity Party, and (if so) the date(s) of those purchases; and (iv) a statement personally signed by the claimant (not by counsel) verifying that everything in the Notice is accurate.
After a Notice of Dispute is received, the parties will work in good faith to resolve the Dispute for at least 60 days (extendable by agreement). The recipient of the Notice may also request an individualized telephone or video settlement conference, which can be scheduled after the 60-day period; both parties (and their counsel, if represented) will attend.
Compliance with this Mandatory Pre-Arbitration Notice and Informal Dispute Resolution process is a condition precedent to initiating arbitration. Any applicable limitations period (including any statute of limitations) is tolled while the parties are engaged in this informal process.
If the Dispute is not resolved through the informal process, it must be resolved exclusively through final and binding individual arbitration rather than in court. All Disputes are submitted to NAM for arbitration before a single arbitrator under the NAM Rules, except as modified by this Arbitration Agreement. If NAM is unavailable, the Dispute will be submitted instead to ADR Services for final and binding individual arbitration before one arbitrator under the ADR Services Rules.
Notwithstanding any choice-of-law provision elsewhere in these Terms, the parties agree that this Arbitration Agreement evidences a transaction involving interstate commerce, that the FAA governs its interpretation and enforcement, and that the FAA together with the applicable NAM Rules or ADR Services Rules preempts conflicting state law to the fullest extent allowed.
Mass Filing Procedures. If NAM determines that 25 or more substantially similar arbitration demands — coordinated by, or with the assistance of, the same law firm, group of firms, or organization — are submitted for arbitration, NAM's mass-filing fee structure will apply. The matters will be administered in batches as described in the NAM Rules. The same principles apply if Mass Filings are administered by ADR Services under the ADR Services Batching Procedure.
Confidentiality. The arbitrator may issue an order requiring that confidential information of either party disclosed during the arbitration (whether in documents or in testimony) is used or disclosed only in connection with the arbitration or any proceeding to enforce the award.
G.5 Severability and Survival
If any provision of this Arbitration Agreement (or any part of one) is found void, invalid, or unenforceable, that portion is severable; where possible, it will be replaced by a valid, enforceable provision that comes as close as possible to the original intent. The rest of this Arbitration Agreement remains in full force and effect.
This Arbitration Agreement survives termination of these Terms.
7. Notice for California Users
California Civil Code Section 1789.3 entitles California users of online services to the following consumer rights notice. The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254 or (800) 952-5210.
8. Notice for New Jersey Users
The indemnification and limitation-of-liability provisions of these Terms do not apply to New Jersey residents to the extent that New Jersey's Truth-in-Consumer Contract, Warranty, and Notice Act (N.J.S.A. §§ 56:12-14 to 56:12-18) prohibits their application.
9. Miscellaneous
You may not assign or transfer any of your rights or obligations under these Terms — in whole or in part, by operation of law or otherwise — without our prior written consent. We may assign or transfer any of our rights or obligations under these Terms without your consent and without notice to you.
If any clause of these Terms is found invalid, unenforceable, void, voidable, or illegal, that clause will be severed, and the remainder of the Terms will continue in full force and effect.
These Terms, together with any Other Terms, constitute the entire agreement between you and us and supersede any earlier agreement or understanding (written or oral) on the same subject.
Every provision of these Terms that, by its nature, is reasonably expected to survive termination — including those relating to IP, limitation of liability, and indemnification — will do so.
Our failure to enforce a right or provision in these Terms does not waive future enforcement of that right or provision. A waiver of any right or provision is effective only if it is in writing and signed by an authorized representative of PolicyUnity.
We are excused from performing under these Terms — to the extent we are prevented or delayed from doing so, in whole or in part — by events caused by or resulting from: (1) acts of God or natural events; (2) acts of war, terrorism, insurrection, riots, civil disorder, or rebellion; (3) quarantines, pandemics, epidemics, or embargoes; (4) labor strikes; or (5) any other cause beyond our reasonable control.
This agreement is between you and us. There are no third-party beneficiaries except as expressly identified here.
If you have questions about these Terms, please contact us.