I know we're friends and all, but my legal people forced me to put this on my site.
Most of it is common sense but it is vitally important that you read these terms
and the services and goods provided through the Site will constitute your agreement
Our Site and any other service or operation related to the website or to any other
relationship you have with us will be referred here as “Services”. THERE IS NO COST
TO YOU FOR USE OF THE SERVICES. Our fees are paid by our providers to whom we forward
By accessing the Site or otherwise using the Services, you acknowledge that you
(also referred as “Agreement”). If you do not agree with any of the terms, you must
refrain from using the Services. We reserve the right, at our sole discretion, to
modify this agreement at any time by posting a modified version of this agreement
continued access to the Site and/or the Services.
License, representations and warranties by the user
To use the Services, you must be of legal age to enter into a binding contract and
not be prohibited from using the Services by the laws of the jurisdiction from which
you access the Services.
You undertake to use the Site and Services only for lawful purposes.
You undertake not to make any commercial use of or make available to any third party
our website, Services or any information that is derived from the website.
You undertake not to modify, reverse engineer, disassemble, decompile, or otherwise
attempt to derive the source code, method of operation, data or information of our
website or Services, or authorize any third party to do so.
You warrant that you have the legal right and authority to enter into this agreement,
and, if you are accepting this agreement on behalf of a company or other entity,
to bind the company or other entity to the terms of this Agreement;
You warrant that you have the legal right and authority to perform your obligations
under this Agreement and to grant the rights and licenses described in this agreement
and in any applicable additional agreement you enter into in connection with our
website and any of our Services.
Ownership, Copyrights and Trademarks
We own the rights, title and interest in and to the Services.
The Billy.com name and logo are our trademarks, and no right or license is granted
to you herein to use such trademarks.
Some of the content, text and graphics in the website may be owned or licensed by
third parties, in which case the copyrights and any other rights are reserved to
The Services may contain links to external websites or resources to sign up for
products and services provided by third parties, or for your convenience and reference.
Our inclusion of third party links does not imply that we endorse or accept any
responsibility for the availability of these external websites or resources or for
any content, advertising, products, or other materials on or available from such
external websites or resources. Your use of and dealings with the owners or operators
of these external websites or resources are at your own risk. You cannot make any
claim against us arising out of your use of external websites or resources.
The purpose of my Billy.com insurance quotes service (the "Insurance Service") is
to provide you with the ability to obtain comparative life insurance quotations
from a nationwide network of insurance agents, brokers and other licensed insurance
providers (the "Providers"), based on the information you provide. Each Provider
may have one or a number of companies with which they will provide you with the
best quote. Once you have given me the necessary information, by sufficiently completing
an appropriate online form, I will refer that information to my Providers and will
present to you quotations for insurance coverage for you as received from the Providers
who in some cases may contact you directly if they can provide you with a quotation
for insurance coverage. From time to time I and/or these Providers may ask for additional
information that the Providers may need to obtain an accurate quote.
The actual price of any policy you may be offered at the conclusion of your application
and underwriting process may be higher or lower than the price quoted by the Insurance
Service. This variance may be due to additional information that the Providers discover
in the course of underwriting your application, a change in your age, or a change
in the insurer's rates.
By using the Insurance Service, you agree that you will not provide any false or
misleading personal information or submit information for anyone other than yourself
without that person's written permission.
By submitting your information on the Insurance Service, you authorize up to 8 Providers
or other Insurance Service partners or third party affiliates to contact you using
any or all of the contact information you provide.
By submitting a request for the Insurance Service, you represent that you are not
doing so, directly or indirectly, for the purpose of or in connection with any attempt
to solicit, sell or obtain insurance to, for or on behalf of a third party (other
than as a means of referring such third party to the Service).
I am not an insurance company and do not quote policies, issue insurance contracts
or bind coverage. I do not endorse or recommend any companies or life insurance
policies and I do not provide life insurance, tax, financial or legal advice. I
do not guarantee that any of the Providers, life insurance agents, brokers and/or
companies to whom I may pass along your information will contact you or agree to
provide you coverage. I am not responsible in any way, for the conduct of the Providers,
life insurance agents, brokers or companies to whom I forward your insurance quotation
requests. If you need personal advice, explanation of coverage, assessment of needs
or specific policy recommendations, consult with a licensed life insurance agent,
broker, or other qualified professional.
Warranties and Liability
WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY OF THE CONTENT
AND SERVICES PROVIDED ON OR THROUGH THE SITE. ALL SUCH CONTENT AND SERVICES ARE
PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND OR DESCRIPTION. WE HEREBY DISCLAIM
ALL WARRANTIES WITH RESPECT TO THE CONTENT AND SERVICES CONTAINED ON THIS SITE INCLUDING
ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, TITLE AND NONINFRINGEMENT. FOR THE AVOIDANCE OF DOUBT, WE WILL BEAR NO
LIABILITY FOR ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIALS DISPLAYED,
PURCHASED OR OBTAINED BY YOU IN CONNECTION WITH THE SERVICES. FURTHERMORE, WE DO
NOT ENDORSE, WARRANT OR GUARANTEE THE PRODUCTS OR SERVICES OF ANY OF OUR PARTNERS.
NEITHER WE, OUR AFFILIATES AND RELATED ENTITIES, NOR ANY OF THEIR RESPECTIVE EMPLOYEES,
AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE CONTENT AND
SERVICES ARE ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE UNINTERRUPTED,
TIMELY, SECURE OR ERROR FREE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT
THE CONTENT OR SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT
YOUR INFORMATION WILL BE KEPT PRIVATE AND CONFIDENTIAL (EXCEPT AS SET FORTH IN OUR
BILLY.COM AND ITS DIRECTORS, OFFICERS, PARTNERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS,
AFFILIATES, SUCCESSORS AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL,
SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE
THE SITE OR SERVICES OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES
OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED
OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICES OR RESULTING FROM UNAUTHORIZED
ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR INFORMATION, INCLUDING BUT NOT
LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA, IDENTITY THEFT, OR OTHER INTANGIBLE,
EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR COLLECTIVE
EXCEED THE AMOUNT PAID BY YOU FOR USE OF THE SERVICES, IF ANY. THE LIMITATIONS OF
LIABILITY AND DISCLAIMERS IN THIS AGREEMENT SHALL APPLY REGARDLESS OF THE FORM OF
ACTION, WHETHER IN CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE OR OTHER TORT.
You agree and acknowledge that you will indemnify, defend, and hold harmless billy.com
and each of our respective employees, officer, directors, and affiliates, from any
and all claims, losses, liabilities, damages, fees, expenses and costs (including
attorneys' fees, court costs, damage awards, and settlement amounts) which result
from any claim or allegation against any of those indemnified parties arising out
by you of any intellectual property or other right of any person or entity..
Our privacy statement for the Services is located on our website at
http://Billy.com/privacy-policy/.It is incorporated herein by reference
and should be considered as part of this agreement.
You agree that this agreement, the rules and policies incorporated by reference
in this agreement (including, without limitation, the dispute policy and the privacy
statement) are the entire, complete and exclusive agreement between you and us regarding
our Services and supersede all prior agreements and understandings, whether written
or oral, or whether established by custom, practice, policy or precedent, with respect
to the subject matter of this Agreement, including, without limitation, any purchase
order provided by you for the services.
You and we agree that this agreement and any disputes hereunder shall be governed
in all respects by and construed exclusively in accordance with the laws of the
State of Delaware, without giving effect to any conflicts of laws principles that
require the application of the law of a different state.
All notices to us should be delivered via e-mail to