Terms of Use / Privacy Policy

TERMS OF USE

1. Acceptance of Terms. This website (the "Site") is operated by United Policyholders, a non-profit educational organization. It is intended for your personal information, education and communication. Please feel free to browse the Site; however, your access and use of this Site is subject to the following terms of service and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, these Terms of Service.

2. Limited Right to Use; Copyrights. The information and materials on this Site are protected by copyrights, trademarks, servicemarks, patents, trade secrets, and/or other proprietary rights and laws. The viewing, printing or downloading of any materials, content or information from this Site grants you only a limited, non-exclusive license for use solely by you for your own personal use and not for republication, distribution, assignment, sublicense, sale, publication, preparation of derivative works or other use. No part of any content, materials or information may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use, except as expressly authorized by United Policyholders. The copying, redistribution, use or publication by you of any content, materials or information or any part of this Site, except as expressly allowed by United Policyholders, is strictly prohibited.

3. DISCLAIMER OF WARRANTIES. ALL MATERIALS, CONTENT, INFORMATION AND SERVICES (THE "CONTENT") INCLUDED IN OR AVAILABLE THROUGH THIS SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. THE CONTENT IS 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. UNITED POLICYHOLDERS DOES NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT, THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

4. LIMITATION OF LIABILITY. UNDER NO CIRCUMSTANCES WILL UNITED POLICYHOLDERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF UNITED POLICYHOLDERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

5. No Legal Advice or Referrals. The information presented in this Site is for general informational purposes, and should not be taken as legal advice. If you have a specific legal issue or problem, United Policyholders recommends that you consult with an attorney. United Policyholders does not sell insurance or certify, endorse or warrant insurance products or vendors. United Policyholders is not a referral service.

6. Links. Any link provided on this Site is provided for the use and convenience of its users. The appearance of links does not constitute an endorsement, recommendation or certification by United Policyholders, nor should the presence of a link in any way be construed as a suggestion that such site or the persons operating such site have any relationship with United Policyholders. United Policyholders does not take responsibility for the accuracy, currency, completeness or quality of the content contained in these sites or the quality of any services rendered in connection with such sites. As such, United Policyholders will not be responsible for any errors or omissions or for the results obtained from the use of such information contained in these sites.

7. Governing Law; Venue. Any action related to these Terms of Service or the use of this site shall be governed by the substantive laws of the State of California, without regard to conflicts of laws principles. The state and federal courts located in San Francisco County, California shall have sole jurisdiction over any dispute arising hereunder, and by the use of this site you hereby consent to the personal jurisdiction of such courts for all such purposes.

PRIVACY POLICY

United Policyholders respects and protects the privacy of those who communicate with and/or support our organization. We do not sell or share our membership or mailing lists.