ACCEPTANCE OF TERMS
The services that Policy-hub.com, (herein "Policy-hub.com") provides to you are subject to the following Terms of Use. Policy-hub.com Inc. reserves the right to update the Terms of Use at any time without notice to you. The most current version of the Terms of Use can be reviewed by clicking on the "Terms of Use" hypertext link located at the bottom of our Web pages.
DESCRIPTION OF SERVICES
Through its network of Web properties, Policy-hub.com provides you with access to a variety of resources, including consumer news, recall information, consumer comments and complaints, self-help tools and directories of resources provided by other parties (collectively "Services"). All such Services are subject to the Terms of Use. Policy-hub.com reserves the right to cancel your access to the Services for violation of these Terms of Use, in its sole discretion.
Policy-Hub provides its services to you subject to the following conditions. If you visit or shop at www.Policy-Hub.com you accept these conditions. Please read them carefully.
License and Site Access
Policy-Hub grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Policy-Hub. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Policy-Hub. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Policy-Hub.com without express written consent. You may not use any meta tags or any other “hidden text” utilizing Policy-Hub’s name or trademarks without the express written consent of Policy-Hub. Any unauthorized use terminates the permission or license granted by Policy-Hub. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page or other page(s) of Policy-Hub so long as the link does not portray Policy-Hub , its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Policy-Hub logo or other proprietary graphic or trademark as part of the link without express written permission.
Copyright
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, video clips and software, is the property of Policy-Hub 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 Policy-Hub and protected by U.S. and international copyright laws.
Registration Data and Privacy
In order to access some of the services on this site, you may require a separate account and password that can be obtained by completing our online registration form, which requests certain information and data (“Registration Data”) and maintaining and updating your Registration Data as required. By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete and accurate. You also grant us the right to disclose to third parties certain Registration Data about you. The information we obtain through your use of this site, including your Registration Data, is subject to our Privacy Policy, which is specifically incorporated by reference into these Terms of Use.
Product Descriptions And Pricing
This web site(s) are intended solely for the purpose of providing general information with respect to vehicle service contracts; extended warranties and/or mechanical breakdown insurance policies. You must refer to the actual vehicle service contract/mechanical breakdown insurance policy to obtain specific information about definitions; terms and conditions; coverage’s; benefits; claim instructions; exclusions; and special state requirements. Copies of all contracts/policies are available for review on the web site(s).
PERSONAL AND NON-COMMERCIAL USE LIMITATION
Unless otherwise specified, the Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any of the information, data or products obtained from the Services.
PRIVACY AND PROTECTION OF PERSONAL INFORMATION
Please click here to access Policy-hub.com’s Privacy Policy.
NOTICE SPECIFIC TO DOCUMENTS AVAILABLE ON THIS WEB SITE
Permission to use Documents (such as news stories, consumer comment compilations, white papers, press releases and FAQs) from the Services is granted, provided that (1) the below copyright notice appears in all copies, (2) use of such Documents from the Services is for informational and non-commercial or personal use only. Accredited educational institutions, such as K-12, universities, private/public colleges, and state community colleges, may download and reproduce the Documents for distribution in the classroom. Use for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
DISCLAIMER OF LIABILITY
The information on the Policy-hub.com Web sites is general in nature and is not intended as a substitute for competent legal advice. Policy-hub.com makes no representation as to the accuracy of the information and assumes no liability for any damages or loss arising from the use thereof. All information is provided "as is" without warranty of any kind. Policy-hub.com and/or its respective information suppliers and contractors hereby disclaim all warranties and conditions with regard to the information.
Through its network of Web properties, Policy-hub.com may provide ways by which you can obtain products or services from various companies. We do not endorse or recommend the products or services of any particular company, and are not an agent or advisor to you or any company. We do not validate or investigate the licensing, certification or other qualifications of companies on the Policy-hub.com websites. By using the Services, you acknowledge and agree that Policy-hub.com is not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a company’s products or services. Instead, you acknowledge and agree that you will rely on your own judgment in selecting any products or services you choose to purchase.
Policy-hub.com does not make any coverage or credit decision with any company that contacts you, or with which you may be matched. Policy-hub.com does not issue mortgages, credit cards, insurance coverage or any other financial products.
The Services may contain inaccuracies or typographical errors. Changes are periodically made to the Services. Policy-hub.com and/or its respective suppliers and contractors may make improvements, modifications and/or changes to the Services at any time without notice.
MEMBER ACCOUNT, PASSWORD, AND SECURITY
If any of the Services requires you to open an account, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You may also be asked to choose a password and a user name. You are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account.
ELECTRONIC CONSENT
By agreeing to receive phone calls and text messages, you also consent to the use of an electronic record to document your agreement. You may withdraw your consent to the use of the electronic record by sending an email to privacy@Policy-hub.com with “Revoke Electronic Consent” in the subject line. To view and retain a copy of this disclosure or any information regarding your enrollment in this program, you will need (i) a device (such as a computer or mobile phone) with a web browser and Internet access and (ii) either a printer or storage space on such device. For a free paper copy, or to update our records of your contact information, send an email to privacy@Policy-hub.com with contact information and the address for delivery.
NO UNLAWFUL OR PROHIBITED USE
You will not use the Services for any purpose that is unlawful or prohibited by these terms, conditions, notices or applicable laws and statutes. You may not use the Services in any manner that could damage, disable, overburden, or impair any Policy-hub.com server, or the network(s) connected to any Policy-hub.com server, or interfere with any other party's use and enjoyment of any Services. You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any Policy-hub.com server or to any of the Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.
ADVERTISEMENTS AND PROMOTIONS
Policy-hub.com provides links to, and runs advertisements from, other companies on its website. Some of these companies may have a business relationship with Policy-hub.com, and we may receive compensation when you click on a link or visit those companies sites. Your interactions and business dealings with any other company, however, including those with whom we have a business relationship, are solely between you and that company. Policy-hub.com is not responsible or liable for any loss or damage of any sort incurred by you, or the alleged breach of any terms, conditions, warranties or representations associated with any other company. Accredited Members must agree to comply with Policy-hub.com Code of Good Business Practices, but Policy-hub.com does not dictate other companies’ marketing or advertising messages. When Policy-hub.com does not have a business relationship with a company, advertisements are placed on our website by a third party, and we do not know the identity of a specific advertiser or have control over the advertisement. In all cases, Policy-hub.com makes no representations about the suitability of any service or products advertised.
USE OF SERVICES
The Services may contain bulletin board services, forums, communities, complaint forms, comment forms, service rating forms and/or other message or communication facilities designed to enable you to communicate with others ("Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service.
Without limitation, you agree that you will NOT:
- Use this site if you are under the age of 16.
- Use the Communication Services in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).
- 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, obscene, indecent, shocking or unlawful topic, name, image, material or information.
- Make any statement that is false, dishonest, or otherwise not accurate.
- Use any material or information, including images or photographs, which are made available through the Services in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party.
- Harvest or otherwise collect information about others, including e-mail addresses.
- Violate any applicable laws or regulations.
- Create a false identity for the purpose of misleading others.
- Do the following as it pertains to submitting Video Reviews:
- Record the video with other people in the background
- Display any products or services that you are not reviewing
- Play music in the background while you are recording
- Include anything that may be copyrighted such as music, images, logos, art, etc.
Policy-hub.com reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever. Policy-hub.com reserves the right at all times to disclose any information as Policy-hub.com deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Policy-hub.com's sole discretion.
By posting, uploading, inputting, providing or submitting ("Posting") any Submission of any kind, you are granting Policy-hub.com, its affiliated companies and necessary sublicensees a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use your Submission in connection with the operation of their Internet businesses (including, without limitation, all Policy-hub.com Services), including, without limitation, the license rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; to publish your name in connection with your Submission; and the right to sublicense such rights to any supplier of the Services.
No compensation will be paid with respect to the use of your Submission, as provided herein. Policy-hub.com is under no obligation to post or use any Submission you may provide and Policy-hub.com may remove any Submission at any time in its sole discretion.
By Posting a Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in these Terms of Use including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions. You also warrant that the information provided in the Submission is, to the best of your knowledge, truthful and accurate.
AUTOMATED CALLS AND TEXT MESSAGES
Program Description
Policy-hub.com provides a matching service whereby the consumer provides information in connection with being matched with a desired service or product which can include (National Car Cure(NCC), National Auto Protection Corp(NAPC), Assured Auto Group(AAG), Auto Service Center(ASC), Car Guard) or any other combination of companies or services that policy-hub.com deems appropriate. As part of this service, you may be contacted by Policy-hub.com or by the brand with whom you have been matched pursuant to your request and provision of information on the Policy-hub.com website.
Consent
When you provide your information on the Policy-hub.com website, you consent to be contacted via automated text message, automatic telephone dialing system, or by artificial/prerecorded message at the telephone number you provide, and/or by receiving email at the email address you provide, from Policy-hub.com or the brand with which you have been matched for the desired product or service.
You expressly consent to receive automated calls and text messages regardless of whether you are on any Federal or state DNC (“Do Not Call”) list or registry. If you provide your information and we contact you, or you contact us, we may keep a record, including but not limited to telephone recordings, call logs, text logs and emails, of your interaction with Policy-hub.com.
Opting Out
You may revoke your consent for us to contact you by autodialed call or text message at any time. If you no longer wish to receive such calls from Policy-hub.com, you may opt out by emailing privacy@Policy-hub.com along with the subject line “Call Opt-Out”. To opt out of receiving text messages from Policy-hub.com at any time, text STOP to the short code from which the text message was sent to the enrolled mobile device. A confirmation message of your opt out will be sent to your mobile number but no additional messages will be sent to you unless you opt in again.
Cost & Carriers
Standard message and data rates may apply. These rates may be changed by your mobile service provider and payable by you to that provider. Policy-hub.com does not impose a separate fee for sending SMS messages.
The content in these messages may not be available and viewable on all carriers. Participating carriers include T-Mobile®, Verizon Wireless, AT&T, Sprint, Boost, U.S. Cellular®, MetroPCS, Virgin Mobile, and Cricket. Mobile carriers are not liable for delayed or undeliverable messages.
Help
For help with this texting program, text HELP to the short code from which the message was sent to the enrolled mobile device. A confirmation message of your HELP request will be sent to your mobile number along with a link/url to a dedicated webpage on Policy-hub.com with additional information that may help resolve your issue.
NO RESPONSIBILITY FOR LINKS
Hypertext links on Policy-hub.com's sites enable you to leave the Policy-hub.com. site Policy-hub.com is not responsible for the contents of any linked sites nor for any links contained in any such linked site, nor for changes, updates and modifications in such sites. The links are provided to you only as a convenience and the inclusion of any such link does not imply endorsement by Policy-hub.com of the site, its contents, services and policies.
UNSOLICITED SUBMISSIONS
Policy-hub.com does not accept unsolicited ideas, including ideas for new Web sites, news stories, advertising campaigns, promotions, products, services, technologies, processes or names. Please do not send any original creative property, samples, demonstrations, auditions, tear sheets, samples or related materials. We assume no responsibility for any such materials and do not promise their safekeeping or return.
CONTROLLING JURISDICTION
Nevada law and controlling U.S. federal law govern any action related to the Terms and/or your use of the Web sites. You agree to submit to the personal and exclusive jurisdiction of the courts located within the County of Douglas in Lake Tahoe.
Policy-hub.com
privacy@Policy-hub.com