Young America Insurance – Terms of Use

The scope and use of this site or affiliates site by a competitor organization or other non-consumer third party are not permitted in any way. We grant you permission to access Young America Insurance but not to download or copy any portion of its content for any commercial purpose or modify any part of it, except with our written or e-mailed consent.

This license does not include any commercial use of Young America Insurance or its content, any derivative use of Young America Insurance or its contents, or any use of data mining, robots, or similar data gathering or extraction tools or processes. You further agree not to undertake any of the foregoing mentioned in this agreement.

Except as explicitly provided in these TOUs, you agree not to store in any form, distribute, transmit, display, reproduce, modify, create derivative works from, sell or otherwise exploit any of the content of any portion of Young America Insurance for any commercial purpose. You may display and print a copy of the pages of Young America Insurance for your personal, non-commercial use. Still, you may not otherwise reproduce any material appearing on Young America Insurance without our prior written consent.

Requests for permission to reproduce or distribute materials found on this site should be sent to support@YoungAmericaInsurance.org. You may not use our name or any misspelling or typographical variation of Young America Insurance, whether alone or in conjunction with any other word or phrase, trademarks, or service marks in any manner (including use in any meta-tags or any other “hidden text”) without our prior written or emailed consent. Any violation of the foregoing will terminate our permission to access and use Young America Insurance.

Products and Services

The information provided to you on this website is general in nature and may not contain all of the terms and conditions applicable to Young America Insurance’s services. You must review the terms of your individual policy to determine the applicable terms and conditions. Insurance coverage and products offered by Young America Insurance may vary by state. In addition, the services described on this site are only available in the jurisdictions where Young America Insurance is licensed.

The information provided to you on this website is not offered as legal, accounting, or other professional advice and is not tailored to your particular circumstances. Materials and content on this site should not be deemed financial advice. Always consult your own advisors prior to making financial decisions. Young America is not affiliated with any insurance provider.

Quotations and Coverage

All quotations generated on the Site are estimates based on the information you provided to Young America Insurance. They do not constitute a contract or agreement to extend insurance coverage. To obtain the coverage, you must submit an application to Young America Insurance. All applications are subject to approval, and coverage and availability may vary by state.

When you submit information to us for your quote, we rely on the accuracy of that information. If you decide to purchase a policy through us, we will verify the information you have provided us from motor vehicle and claims reports. Your quote is, therefore, subject to change based on other variables we may learn about. The final price you pay for a policy may be adjusted from the original quote provided.

Online Claims Submissions

You may choose to submit a claim through Young America Insurance’s website. Your submission does not bind Young America Insurance to coverage for this loss, and the information you submit regarding the loss is subject to verification and review. Young America Insurance reserves the right to request additional information regarding the loss prior to adjudicating a claim, and all provisions in your individual policy will continue to apply.

Account and Password

In order to access some features on this website, you will have to create a user account. In creating a user account, we ask that you provide certain information about yourself. If you have created a user account with Young America Insurance, you are responsible for your account and password security.

You agree to accept responsibility for all activities that occur in connection with your account, whether or not the use is authorized. In addition, you agree to notify us immediately of any known unauthorized use of your account. We reserve the right to close your account at any time for any reason.

Privacy Policy

Young America Insurance’s current Privacy Policy is available at Privacy Policy and is incorporated herein by this reference.

Copyright Policy

The information on this Site and any materials is the copyrighted work of Young America Insurance and is protected by the United States and worldwide copyright laws and treaty provisions. You may not post, modify, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information belonging to Young America Insurance without obtaining our prior written consent.

You are granted limited permission to use the information and materials on this site such information or materials:
i) is used solely for non-commercial purposes and remains unmodified or revised,
ii) retains any copyright notices as may accompany the original version, and
iii) contains a statement that the material or information is used with Young America Insurance’s permission.

Ownership

Young America Insurance owns the Young America Insurance Content that is available on the Site. It includes, but is not limited to, visual interfaces, interactive features, graphics, scripts, photos, sounds, music, videos, design, compilation, computer code, products, software, text, aggregate user review ratings, and all other elements and components of the Site, excluding any third party content.

Young America Insurance also owns or has the license for the copyrights, trademarks, service marks, trade names, and other intellectual and proprietary rights throughout the world associated with the Young America Insurance content and the Website. They are protected by copyright, trade dress, patent, trademark laws, and all other applicable intellectual and proprietary rights and laws.

Except as expressly and unambiguously provided herein, Young America Insurance does not grant you any express or implied rights. As such, you may not modify, reproduce, distribute, create derivative works or adaptations of, publicly display or in any way exploit any of the Young America Insurance content in whole or in part except as expressly authorized by Young America Insurance. All rights in and to the Website and the Young America Insurance Content are retained by Young America Insurance.

Links to third-party Websites

Young America Insurance may include links to other websites and does not control or endorse any content of these third-party websites. By using Young America Insurance, you agree that Young America Insurance is not responsible for the availability or content of such third-party websites.

Termination

In its sole discretion, young America Insurance reserves the right to restrict, suspend, or terminate your access to all or any part of the Site at any time, for any reason, with or without prior notice, and without liability. Young America Insurance expressly reserves the right to remove your user account and/or restrict, suspend, or terminate your account and your access to any part of the Site if it determines, in its sole discretion, that you breached the TOU or is suspected of involvement in illegal activity.

You may terminate your account with Young America Insurance at any time, for any reason, by following the instructions on the User Account Settings page. Make sure you have this feature in Account Settings or send an email to support@YoungAmericaInsurance.org. Subject: CLOSE ACCOUNT. Make sure to reference your account information in the body of the email. In the event of any termination, this TOU shall remain in effect.

Warranty Disclaimers

All materials, information, software, products, and services included in or available through Young America Insurance are provided “as is” and “as available” for your use. All materials, information, software, products, and services included in or available through this website are provided without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We and the other entities from whom we obtain content do not warrant that:

  1. The materials, information, software, products, or services included in or available through Young America Insurance are accurate, reliable, or correct;
  2. Young America Insurance will be available at any particular time or location;
  3. Any defects or errors will be corrected;
  4. Young America Insurance is free of viruses or other harmful components

Your use of this website is solely at your risk. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you.

Limitation of Liability

Under no circumstances shall we or any of the companies with which we do business be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from the use of, or inability to use Young America Insurance. This applies even if we have been advised of the possibility of such damage or under circumstances that cause any exclusive remedy under this agreement to fail of its essential purpose.

You expressly acknowledge that Young America Insurance shall not be liable for user submissions or the defamatory, offensive, or illegal conduct of any third party and that the risk of harm or damage from the foregoing rests entirely with you. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, our liability in such jurisdictions shall be limited to the extent permitted by law. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

Damages Indemnification

You agree that you will be responsible for any damages resulting from any violation of these TOUs. You further agree to indemnify and hold Young America Insurance and its owners, affiliates, officers, directors, agents, and employees harmless from any claim or demand, including reasonable attorneys fees, made by any third party due to or arising out of your breach of these TOUs, or any violation of any law or the rights of any third party that occurs in connection with your use of Young America Insurance.

Reservation of Rights

In using this Site, you represent that you are 18 years of age. Young America Insurance does not attempt to market any services to those under 18 years of age and does not knowingly collect information from minors. Young America Insurance reserves all rights to obtain any remedy available in law or equity for breaches of the TOU set forth on this Site.

Choice of Law and Forum

These TOUs shall be governed by and construed in accordance with the laws of the State of Texas, excluding conflicts of law rules. Unless expressly waived by us, you agree that the exclusive jurisdiction for any claim or action arising out of or relating to these TOUs or your use of Young America Insurance shall be in the state or federal courts located in the State of Texas. You further agree and submit to the exercise of personal jurisdiction of such courts to litigate any such claim or action.

You agree to receive service of process through email, certified mail, or by other means sanctioned by law. You expressly waive any claim of improper venue and any claim that such courts are an inconvenient forum. You also agree that in the event of any action to enforce or interpret these TOUs, the prevailing party shall be entitled to collect its reasonable attorneys’ fees.

Severability

If any of the provisions of these TOUs shall be deemed invalid, void, or, for any other reason, unenforceable, it shall be deemed severable. It shall not affect the validity and enforceability of the balance of these TOUs.

Miscellaneous

The failure of Young America Insurance to exercise or enforce any right or provision of this TOU shall not operate as a waiver of such right or provision. The section titles in this TOU are for convenience only and have no legal or contractual effect. This TOU operates to the fullest extent permissible by law.

If you have any questions regarding these TOUs, please get in touch with us. You can do so by going to the CONTACT US page on this site.