2. Privacy Policy
By using our Services, you acknowledge that you have read and understand our Privacy Policy. The Terms of Service incorporate this Privacy Policy in full and, by agreeing to the Terms of Service, you agree to be bound by the terms of the Privacy Policy. You also acknowledge receipt of our Cookies Policy, which is incorporated into our Privacy Policy.
3. Your Compliance with The Terms of Service
By using our Services and visiting our Website, you voluntarily accept and consent to the Terms of Service, and your consent and acceptance is supported by sufficient and valuable consideration. You acknowledge that this consideration includes, but is not limited to, access to our Services and your ability to interact with our Services and Agents. You expressly represent that you have the capacity to agree to be bound to the Terms of Service and, given that you are acting on behalf of a business entity or other organization, agree that you have the authority to so bind that entity or organization.
4. Representation of Data Collection
You consent to and agree that Inc may collect data and Personal Data, as defined in our Privacy Policy, from you even though we may not be able to offer you any available products or services for purchase.  Inc currently only offers services in a limited number of states and currently only offers limited insurance services.  If you voluntarily provide us with any information about yourself or a third party, you agree that Inc reserves the right to use that data for market analysis, advertising, or other commercial purposes.  This is true even if Inc cannot offer you or a third party products or service at the time you provide us with this information.
When requesting information or quotes for a commercial automobile insurance policy, you represent that you have provided notice to and obtained consents from your employees that will allow the insurance carrier to obtain any motor vehicle records related to those employees to be used in underwriting decisions.
5. Consent to Receive Electronic Copies of Insurance Documents
By signing up for our Services, you consent to receive all insurance documents – including identification cards – in electronic form only to an email address you provide, except where electronic delivery is not allowed by law or regulation.
Once a policy is chosen by you, you will be able to access your ID cards, policy documents, and related information via any contemporary web browser on an internet-connected device such as a tablet, mobile phone, or laptop at the chosen insurance carriers website.
6. Use of Our Services
Our Services, as well as their underlying processes, related content, and generated data, may not be used for personal, family, household, informational, or non-commercial use. You may not copy, reproduce, sell, distribute, replicate, duplicate, relay, transmit, broadcast, or license our Services or their underlying processes, related content, or generate data without Inc’s express written consent. Your use of our Services is not transferable by you to any other person or entity. Your access and use of our Services may be interrupted by, without limitation, maintenance of our equipment or networks, malfunction of our equipment or networks, or inadvertently by a third party or parties. We reserve the sole right to suspend or discontinue the availability of our Services at any time in our sole discretion and without prior notice or consent.
7. Prohibited Activities
You are responsible for anything you transmit to or through Incs Website or to Inc through email, short message service or text, voice calls, Facebook, Twitter, Google Review, chatbot, or any similar service. You represent that your transmissions to Inc are and will be truthful, accurate, not misleading, offered in good faith and that you have authority to transmit such information. In using this Website, you agree that it is solely your responsibility to avoid certain activities that we deem, at our discretion, to be prohibited. These prohibited activities include without limitation:

• Criminal activity or tortious activity, including (i) fraud or misrepresentation, (ii) harassment (such as verbal harassment), (iii) infringement or misappropriation of a third party’s copyright, trademark, patent, trade secret, or other intellectual property, (iv) slander, libel, defamation, or use of content that is obscene, pornographic, vulgar or offensive, (v) use of content that promotes discrimination, bigotry, racism, hatred, harassment, violence, or harm against any individual or group, and (vi) content that promotes illegal or harmful activities or substances;
• Advertising to, or solicitation of, any user to buy or sell any products or services;
• Attempting to impersonate, or impersonating, another user or entity;
• Using a false email address, phone number, postal address, or contact information. You are also prohibited from using an email address, phone number, address or contact information of another entity or person without authorization;
• Attempting to access or search the Services or engaging in any automated use of the System, such as using scripts, spiders, crawlers, data mining tools, or the like to collect data, send comments or messages, post on forums, and/or request information;
• Attempting to probe, scan, or test the vulnerability of any Inc system or network, or breach any security or authentication measures;
• Interfering with, disrupting, or creating an undue burden on our Services or the underlying networks;
• Accessing or tampering with non-public areas of the Services, Inc’s computer systems, or the technical delivery systems of Inc’s providers;
• Avoiding, bypassing, removing, deactivating, impairing, descrambling otherwise circumventing any technological measure implemented by Inc or any of Inc’s associated providers or any other authorized third party to protect the Services;
• Using mega tags or other hidden text or metadata utilizing a Inc trademark, logo, URL, or product name without Inc’s express written consent;
• Using information or scraping information from our Services for any purpose whatsoever;
• Using the Services for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms of Service;
• Using the Services to send altered, deceptive, or false source-identifying information;
• Attempting to decipher, decompile, disassemble, or reverse engineer any of the software used to provide the Services;
• Interfere with, or attempt to interfere with, the access of any user, host or network, including without limitation, sending a virus, overloading, flooding, or spamming the Services;
• Collecting or storing any personally identifiable information from the Services from other users of the Services without their express permission;
• Using our Services in a manner inconsistent with any and all applicable laws and regulations; and
• Encouraging or enabling any other individual to do any of the foregoing.

9. Monitoring of Services
We reserve the right, but have no obligation to, monitor our Services for your or third party violations of the Terms of Service, take appropriate legal action against anyone who violates the Terms of Service, refuse or restrict access to or availability of any user’s interaction with the Services, remove the Services, or otherwise disable all files and content at our discretion, and otherwise manage the Services in order to protect the rights and property of Inc and its customers.
10. Termination of Your Account or Use of Our Services
We may restrict, suspend, or terminate your use of or access to our Services in the event that you violate the Terms of Service and, at our sole discretion, as permitted by law. We may change the Services or content, or otherwise restrict access to all or parts of our Services without providing notice at our discretion, as permitted by law.
11. Content
Inc makes no representations or warranties about the suitability of the content of its Website for any purpose. Inc provides all content of its Website on an “as is” and an “as available” basis without any warranty of any kind.
12. About Carriers & Agents We Currently Use
Inc and its affiliated Agents act as as duly appointed agent with various insurance carriers, representing those insurance companies to whom it will submit your insurance application and from whom it will procure your insurance coverage options .
13. Disclaimers and Limitations on Liability
Inc makes no warranty of any kind whatsoever – express or implied – with respect to the contents of its Services. INC HEREBY DISCLAIMS ANY AND ALL implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose. You expressly agree that your use of our Services is at your sole risk. It is solely your independent duty and responsibility to verify and evaluate the accuracy, correctness, reliability and completeness of ANY Services or options offered. We make no warranty or guarantee that any content available for downloading is free from infection from any computer programming or other glitches which may contaminate damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. We do not make any representations, warranties, or guarantees – express or implied – regarding quotes or offers provided on or through our Services. As such, we expressly disclaim all liability for any content, products, or services furnished from such service providers.
We further make no representations, guarantees, or warranties that our Services are appropriate or available for use in jurisdictions outside of the United States of America. If you access or otherwise use our Services from these jurisdictions, you do so of your own volition and risk, and are solely responsible for compliance with local and international law.
Inc will not be held liable to anyone for any liability arising out of, or in any way relating to, any damages, loss, or claim whatsoever, no matter how occasioned, in connection with or arising out of access to or use of the contents of its Services. In no event shall Inc be liable for any special, indirect, exemplary, or consequential damages or any damages whatsoever, including, but not limited to, loss of use, data, or profits, without regard to the form of any action, including, but not limited to, contract or negligence or other tortious actions, arising out of or in connection with the use, reproduction, or display of the content.
14. Representations and Disclaimers Related to Products or Services
Inc makes no representations, warranties, or guarantees with respect to quotes, terms, rates, coverage, or services offered to you by Agents or insurers or other third parties through Inc’s Services. Inc believes the content provided through its Services to be accurate, complete, and current. However, inadvertent technical or factual inaccuracies may arise and, therefore, Inc does not warrant that its content is accurate, complete, and current. Content that Inc provides through its Agents and/or Services is meant to assist you with insurance and financial decisions. However, such information merely constitutes a general description of insurance coverage potentially available. Any particular coverage option provided to you by Inc, its affiliated Agents or any insurance company or other third party is subject to that party’s terms, conditions, exclusions, and underwriting practices. Any coverage recommendations made by Inc or its Agents are based solely on a defined set of information provided by you and are limited to the products and coverages that Inc affiliated Agents offer. You acknowledge and agree that such recommendations may omit coverage that may be necessary or advisable for you and such recommendations may differ from recommendations that you might receive were you to seek advice specific to your individual circumstances. You must submit a complete request to obtain a particular coverage. Issuance of insurance coverage is dependent on underwriting approval of the insurance carrier; availability and coverages options may vary by state. You must verify information Inc Agents provide through its Services before relying on that information in whole or in part. We also recommend that you obtain additional information and advice from your accountant, attorney, and other advisors that can take your individual circumstances into account. The insurance policy or other product or service you purchase from outside entities other than Inc Agent affiliated carriers forms the exclusive contract between you and the insurer or other third party, and you agree to not rely on the general information or descriptions of coverage made available through Inc’s Services. Our Service may provide you with options or quotes with a third party provider of goods or services. However, you agree that we make no guarantee that all users will be provided with such a quote, and that some of these services may only be available to United States residents and corporations or only available in a portion of states. Inc may receive fees or commissions from insurers or other third parties with respect to certain transactions made in connection with our Services. Nevertheless, you acknowledge that we are not responsible for any fee arrangement or the terms of any agreement you may enter into with a provider of a product or service through our Services. You hereby release Inc of any loss, cost, damages, or claim in connection with or arising from your use of a service or product, including any fees charged.
15. Representations to Us
By using our Services, you represent and warrant to us that:
You are at least 18 years of age.
You are authorized to purchase and bind this insurance on behalf of the entity applying for coverage.
You have not had any judgments or liens placed against you in the last three years.
16. Indemnification and Hold Harmless
By using our Services, you agree to indemnify, defend, and hold harmless Inc and its affiliated Agents against any claim, cost, fine, damages, including attorneys’ fees, arising from or related to your use of our Services.
17. Financial Decisions
Our Services offer a platform that provides you with access to information and third party providers of products and services. We do not endorse or recommend any of these providers except to offer the options requested by you. We do not investigate, guaranty or certify that such providers are appropriately licensed, certified, or otherwise qualified to offer these products and services. You agree that you are solely responsible to investigate these providers, and that you are solely responsible and liable for any products or services they may provide you that may give rise to costs, damages, liabilities, fees, or fines. We suggest that you consult financial advisers, insurance agents, or other qualified professionals who may be fully aware of your individual circumstances and needs prior to making any financial or insurance purchasing decisions. You agree that you are relying solely on your judgment and that of your advisors in purchasing products or services through our Services or based on information provided by our Services.
18. Intellectual Property Rights
Our names, graphics, and logos used in connection with our Services, service marks, icons, page headers, page layouts, scripts, and unique terminology are our trademarks and trade dress (collectively, “Proprietary Marks”) in the United States and other countries. You may not use our Proprietary Marks without our express and written permission. Inc makes no proprietary claim to any third party names, trademarks, or service marks appearing on our Services as the rights related to these names, trademarks, or service marks belong to their respective owners. Any information, advice, data, software, or other content, which may be contained in or downloaded from our Services (collectively, “Content”), including, but not limited to, all text, graphics, charts, images, videos, line art, icons, and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. We also own copyrights to a collective work in the selection, coordination, arrangement, organization, navigation, presentation, display, and selective alteration of the Content (“Collective Work”). All software used in providing or supporting our Services (“Software”) is our property or the property of our software vendors and is protected by United States and international copyright laws. Any access you may have, including but not limited to, viewing, reading, printing, downloading or otherwise using the Content, Collective Work, or Software does not waive any of our rights and does not entitle you or any third party to any ownership or intellectual property rights. You are solely liable for any damages arising from your infringement of our or any third party intellectual property rights with respect to the Proprietary Marks, Content, Collective Work, Software, or third party names, trademarks or service marks. You are solely responsible for any harm incurred to us or our affiliates as a direct or indirect result of you copying, distributing, redistributing, publishing, or using the same for purposes that are expressly or impliedly in violation of these Terms of Service.
19. No Third party Beneficiaries
The Terms of Service are between you and Inc, and no provision within the Terms of Service confers any implied or express right to any third party. The Terms of Service do not provide you with any authority to bind Inc in any way.
20. Assignment
You may not transfer, assign, or license your rights under the Terms of Service without our prior express and written consent.
21. Void Where Prohibited
Our Services are intended for use for those areas in the United States where we, our affiliates, our partner insurers, our brokers, or our agents are licensed and permitted to sell our products and services. Although our Services may be accessed by users in other locations, any offer or transaction for any feature, product, or service is void where prohibited by law.
22. Our Services Are Not Intended for Minors
Our Services are not directed at minors, that is, persons younger than 18 years old. If you are not at least 18 years old, please do not attempt to access our services. We do not knowingly contact or collect personal information from persons under 18 years old, and such a person should not provide us with any information.
23. Governing Law and Jurisdiction
You agree that the Terms of Service (and incorporated Privacy Policy and Cookies Policy) are governed and interpreted by the laws of the State of Florida without regard to principles of conflicts of law. By using our Services, you agree to personal and exclusive jurisdiction of the state and federal courts of Florida in order to resolve any dispute arising from your use of the Services, including but not limited to the enforcement of any arbitration award. You further agree to waive any objection to such jurisdiction or venue.
24. Arbitration Agreement and Waiver of Class Remedies
(a) Arbitration Agreement
You and we agree that any “Dispute” arising out of or relating in any way to our Services, these Terms of Service, your visit to our use of our websites, any products or services offered through our websites, or the enforceability, validity, or applicability or this Arbitration Agreement or class waiver shall be finally resolved by binding arbitration following the parties’ best efforts to settle such Dispute. “Dispute,” is defined as any claim, controversy, or action, whether brought under contract, tort, in law or equity, or under any regulation or statute.
30 days prior to initiating any arbitration proceeding, the party seeking resolution of a Dispute shall provide notice of the Dispute to other party and engage in a meaningful good faith effort to resolve the Dispute. If a binding arbitration occurs, it shall be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and its procedures for consumer disputes, except for any rules or procedures permitting class actions or otherwise contradictory to the Terms of Service. An arbitrator shall have exclusive authority to resolve all disputes, including whether any particular Dispute is within the scope of this Arbitration Agreement, or this or any other provision contained in the Terms of Service is void or voidable. The arbitrator’s award shall be binding and entered as a judgment in any court of competent jurisdiction and in accordance with the Governing Law and Jurisdiction clause of the Terms of Service.
YOU UNDERSTAND THAT YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO BRING ANY DISPUTE AS A CLAIM OR COLLECTIVE ACTION UNDER THIS AGREEMENT. YOU UNDERSTAND THAT, ABSENT THIS ARBITRATION AGREEMENT PROVISION, YOU MAY OTHERWISE HAVE THE RIGHT TO SUE IN A COURT OF LAW, AND MAY HAVE THE RIGHT TO A TRIAL BY JURY. WHILE ARBITRATION IS INTENDED TO BE MORE COST-EFFECTIVE, IN SOME INSTANCES THE COST OF ARBITRATION MAY EXCEED THE COST OF CIVIL LITIGATION IN A COURT. MOREOVER, THE RULES AND PROCEDURES OF ARBITRATION MAY LIMIT DISCOVERY.
(b) Waiver of Class Remedies
The parties agree that any arbitration shall be conducted only in their individual entity capacities, and the parties expressly forego the right or option to file or join a class action or other representative action. Should any court or arbitrator determine that the class action waiver set forth in this section is void or otherwise unenforceable, or that an arbitration can proceed on a class basis, then the arbitration provision shall be deemed null and void in its entirety, and the parties shall be deemed to have not agreed to arbitrate any dispute.
(c) Exception: Litigation of Small Claims Court Claims
Notwithstanding the parties’ decision to resolve all disputes through arbitration, relief may also be sought in a small claims court for disputes or claims within that court’s jurisdiction—subject to the Governing Law and Jurisdiction clause of the Terms of Service.
25. No Oral Modification
The Terms of Service may not be modified through oral agreement or statements. The individual employees of Inc, Inc’s partners, and Inc’s third party affiliates are not authorized to modify the Terms of Service except by the mechanism stated herein. Any person offering to modify the Terms of Service is not acting as an agent of Inc or with proper authority to bind Inc. You agree not to rely on any statement, written or oral, by any employee or agent of Inc or any third party with respect to modification or interpretation of the Terms of Service.
26. Communications With Inc
In using our Services, you may choose to communicate with us by providing us with feedback, comments, questions, or proposals. Under no circumstance will your submission of information obligate Next to pay you compensation.
You may provide your information as part of an attempted or completed request for a quote or offer for goods and services of a third party vendor. In doing so, you agree to allow Inc to use this information in any way consistent with the Terms of Service, and our Privacy Policy. When you submit contact information to us as part of an attempted or completed request for a quote or offer for goods or services, you consent to receive telephone calls, emails, text messages, mailers, or other similar communications in connection with these goods and services. This is true even if your phone number is on any “do not call” list.
27. Severability
Except as otherwise provided herein, in the event that any provision contained within the Terms of Service is deemed to be unenforceable, invalid, or ambiguous, such provision shall be limited or discarded to the minimum extent necessary so that the remaining provisions of the Terms of Service remain in full force and enforceable.
28. Non-Waiver
Neither party shall be deemed to have waived, in whole or in part, any of its rights granted herein by its failure to exercise, in whole or in part, any right herein.
29. Force Majeure
Neither party shall be responsible for any delay or failure in any performance due to acts of God, war, warlike conditions, blockade, embargoes, riots, government restriction, labor disturbances, unavailability of anticipated or usual means of supplies, wrecks, epidemics, quarantine, fire, flood, earthquake, explosion, any unforeseen change in circumstances, or any other causes beyond any party’s reasonable control.
30. Entire Agreement
The Terms of Service and only those Policies or Notices expressly incorporated by reference herein constitute the entire agreement of the parties and supersede any prior or contemporaneous agreements, understandings, warranties, or understandings, whether written or oral, whether express or implied, with connection to our Services.
32. Notification of Changes
At its discretion, Inc may amend the Terms of Service from time to time. We will post any such material changes to our Website along with a notice indicating that the Terms of Service have changed at least thirty (30) days prior to the effective date of these changes, when practicable. Should we materially change the Terms of Service, you may cancel your account with us by contacting us in accordance with the “Contact Inc” provision of the Terms of Service before the effective date of the modified Terms of Service.
33. Notice
In the event Inc may choose or become obligated to provide you with notices under or related to the Terms of Service, you consent to receive such notices or related communications by Inc posting them on its Website, by sending them to you via an email address you provided, or by sending them to a postal address you provided, at our discretion. You further agree that any such communication as described herein satisfies any legal requirement that the communication must be provided in writing.
34. Contact Inc
If you have any questions about the Terms of Service or wish to notify us in relation to your use of our Services, you may contact Inc by email at support@incinsuranceservices.com