Saturday Website Terms of Use

Effective as of May 1, 2019


I. INTRODUCTION

Please read these Terms of Use carefully before using the Saturday website.

Thank you for visiting the website for Saturday Insurance Services, LLC (“Saturday” or “we”). The Saturday website enables users to research and buy life and other insurance products online. By accessing or using the Saturday website, including by providing information through the Saturday website, you agree to be bound by the following terms and conditions (these “Terms of Use”), including the disclaimers and limitations of liability contained herein. These Terms of Use are a binding legal agreement between you and Saturday, and do not purport to supersede any legally binding agreements between you and any insurers. The insurer may have its own terms that will apply to your relationship with it. If you do not agree to these Terms of Use, you may not use the Saturday website.

1. Electronic Signature and Disclosure Consent Notice

You agree to the use of electronic documents and records in connection with your registration for the Saturday website and all future documents and records in connection with the Saturday website—including without limitation this electronic signature and disclosure notice—and that this use satisfies any requirement that we provide you these documents and their content in writing. If you do not agree, do not accept these Terms of Use. You may (i) obtain a paper copy of any document or record, (ii) withdraw your consent to the use of electronic documents and records, or (iii) update your contact information, by emailing Saturday at support@saturdayinsurance.com. To receive or access electronic documents and records, you must have the following equipment and software: (a) a device that is capable of accessing the Internet; (b) an Internet browser that supports at a minimum HTML 4.0 and 128-bit SSL encryption; and (c) software that permits you to receive and access Portable Document Format or “PDF” files. To retain documents and records, your device must have the ability to download and store PDF files. Your access to this page verifies that your system and device meets the above receipt, access, and retention requirements.

2. Updates to and Acceptance of Terms of Use

From time to time, we may update these Terms of Use. If we do, we will note near the top of this page the date that any changes are made and/or when they become effective. You should revisit these Terms of Use on a regular basis, as revised versions will be binding upon you. Your continued use of the Saturday website after the effective date of such changes to these Terms of Use will tell us that you agree to those changes.


II. YOUR USE OF THE SATURDAY WEBSITE

1. Your Account and Information

To request a quote or apply for a policy, you may be required to register for an account on the Saturday website and provide information about yourself as prompted by the site registration form. As part of the registration for the Saturday website and the request for a quote and application for a policy, you agree to accurately furnish all contact and other information requested by Saturday and notify Saturday immediately of any change in the information.

Saturday reserves the right to refuse or reject any request to create an account or for a quote or policy for any or no reason at Saturday’s sole discretion. You are solely responsible for your account, your contact information and other information made available through your account or otherwise via the Saturday website. You will use reasonable care to protect the confidentiality of your log-in information for your account, and will not share it with any other person. You will be entirely responsible for the conduct of any person using the Saturday website or accessing your account through use of your log-in information. Saturday reserves the right to change your password or delete your account for any reason.

You agree that Saturday may share any information you provide with the applicable insurer or third-party vendor and as otherwise described in these Terms of Use and the Saturday Website Privacy Statement.

2. Your Use of the Saturday Website

By accessing or using the Saturday website, you agree that you will not use the Saturday website in any way that:

  • is unlawful, threatening, violent, abusive, hateful, defamatory, slanderous, libelous, deceptive, fraudulent, tortious, indecent, vulgar, profane, obscene, or that Saturday deems in its sole discretion to be inappropriate;
  • may harm Saturday, its service providers, any insurers, or any other person;
  • violates or infringes the rights of anyone else;
  • gains or tries to gain unauthorized access to the Saturday website or any Saturday website, Saturday’s computers and networks, or Saturday’s user data, or that otherwise modifies or interferes with the use or operation of the Saturday website;
  • imposes an unreasonable or disproportionately large load on Saturday or its business partners’ infrastructure, including but not limited to transmitting spam or using other unsolicited mass emailing techniques;
  • alters, damages, or deletes any content provided by Saturday or an insurer, or removes or modifies any copyright or other intellectual property notices that appear on the Saturday website;
  • contains computer viruses or other disruptive, damaging or harmful files or programs; or
  • otherwise violates these Terms of Use or any other guidelines or policies provided by Saturday.

In addition, you represent and warrant that:

  • you will use your true legal name and true electronic mail address, and only provide true, accurate and complete information on the Saturday website;
  • you will not impersonate another person or misrepresent your affiliation with another person or entity, such as by using another person’s user name, password or other account information or another person’s name, likeness, image or photograph;
  • you are at least 18 years of age, or the legal age of majority where you reside;
  • you have the right to provide to Saturday and the insurer the information and other content that you provide using the Saturday website;
  • the information and other content that you provide using the Saturday website does not infringe, violate, misappropriate or otherwise conflict with the rights of any third party; complies with all applicable local, state, provincial, national and other laws, rules and regulations; and does not violate these Terms of Use;
  • you have all requisite rights and authority to use the Saturday website and to enter into these Terms of Use; and
  • the performance of your obligations under these Terms of Use will not violate, conflict with, or result in a default under any other agreement, including confidentiality agreements between you and third parties.

III. THIRD PARTY CONTENT; DISCLAIMERS

1. Third-Party Content

The Saturday website may include content provided by third parties, including insurers, and may also contain links to third-party sites, including those of insurers (collectively, “Third-Party Content”). Saturday does not take responsibility for any Third-Party Content. You understand that Saturday has no obligation to, and generally does not, approve or monitor materials provided by third parties, including insurers, through the Saturday website.

You acknowledge and agree that third-party sites (including those of insurers) may have different privacy policies and terms and conditions than Saturday. Saturday does not verify, make any representations or take responsibility for such third-party sites, including, without limitation, the truthfulness, accuracy, quality or completeness of the content, services, links displayed or any other activities conducted on or through such third-party sites. You should carefully review the privacy policy and terms and conditions of each website you visit. Saturday is not responsible for the content or privacy practices of such third-party sites.

UNDER NO CIRCUMSTANCES WILL SATURDAY BE LIABLE IN ANY WAY FOR ANY THIRD-PARTY CONTENT OR ANY THIRD-PARTY SITES, INCLUDING, BUT NOT LIMITED TO, LIABILITY FOR ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED OR OTHERWISE TRANSMITTED VIA THE SATURDAY WEBSITE.

2. Accuracy of Data

Saturday makes no warranties or representations as to the accuracy, completeness or timeliness of the materials or content provided as part of the Saturday website. Saturday assumes no liability or responsibility for any errors or omissions in the Saturday website. No warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any materials or content.

3. Security of Communications

Saturday is committed to maintaining the security of the data you provide us and will take reasonable precautions to protect your personal information. However, there is always some risk in transmitting information over the Internet. Because the Saturday website is provided through the Internet, you agree that when you use the Saturday website, your communications may be intercepted by others. For this reason, Saturday cannot guarantee the security and privacy of transmissions via the Internet, and you agree that we will not be liable for any lack of security relating to the use of the Saturday website by you. You agree that you will not hold Saturday liable for any damages resulting from any loss of privacy or security occurring in connection with any communications over such networks.

4. Disclaimers

THE SATURDAY WEBSITE IS PROVIDED “AS IS,” AND SATURDAY: (i) MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND WHETHER EXPRESS, IMPLIED (EITHER IN FACT OR BY OPERATION OF LAW), OR STATUTORY, AS TO ANY MATTER WHATSOEVER; (ii) EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, AND TITLE; AND (iii) DOES NOT REPRESENT OR WARRANT THAT THE SATURDAY WEBSITE IS OR WILL BE ERROR-FREE, WILL BE CONSTANTLY AVAILABLE OR THAT ACCESS WILL BE UNINTERRUPTED, WILL MEET YOUR REQUIREMENTS, OR WILL BE TIMELY OR SECURE. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE RESULTING FROM THE USE OF THE SATURDAY WEBSITE. USE OF THE SATURDAY WEBSITE IS AT YOUR SOLE RISK. SATURDAY MAKES NO GUARANTY OF CONFIDENTIALITY OR PRIVACY OF ANY COMMUNICATION OR INFORMATION TRANSMITTED USING THE SATURDAY WEBSITE. Because some states and jurisdictions do not allow limitations on implied warranties, the above limitation may not apply to you. In such event, such warranties are limited to the minimum warranty period allowed by the applicable law. Neither Saturday, any of its employees or contractors, nor any other party involved in producing or delivering the Saturday website, shall be held liable for any improper or incorrect use of the Saturday website.


IV. PRIVACY

The Saturday Website Privacy Statement is available at www.saturdayinsurance.com. This Privacy Statement may change from time to time, so review it with regularity and care. The Privacy Statement governs how the information that you provide from your use of the Saturday website may be collected, used and disclosed by Saturday. By using the Saturday website, you consent to this collection, use, and disclosure by Saturday.

The Saturday Website Privacy Statement does not extend to the insurer that will have access to your information and other content you provide in connection with your use of the Saturday website. The insurer may have its own privacy policy regarding its own policies and practices regarding your information. You are responsible for reviewing the insurer’s privacy policy. Saturday is not responsible for what the insurer may do or not do with your information that you provide.


V. SUBMISSION OF FEEDBACK

If you submit a comment, suggestion or any other material (“Feedback”) to Saturday related to the Saturday website (excluding any illegal content), you hereby assign all ownership in and to such Feedback to Saturday, and acknowledge that we will be entitled to use and implement any such Feedback in any manner without restriction, and without any obligation of confidentiality, attribution or compensation to you. To the extent the foregoing is deemed ineffective, you also hereby grant to Saturday a non-exclusive right to use, display, reproduce, modify and distribute the Feedback in whole or in part, anywhere in perpetuity in any and all media, whether alone or together or as part of any material of any kind or nature. Without limiting any of the foregoing, Saturday will have the right to use, copy, display, perform, distribute, modify and re-format Feedback in any manner that Saturday may determine. By submitting Feedback, you represent and warrant to Saturday that you have all necessary rights in and to such Feedback and all information it contains and that such Feedback does not infringe any proprietary or other rights of third parties or contain any libelous, tortious, or otherwise unlawful information.


VI. OWNERSHIP OF INTELLECTUAL PROPERTY

Saturday and its licensors (and each of their respective successors and assigns) own the copyrights, trademarks, service marks, and trade dress rights to all materials and content displayed on and from the Saturday website (including visual interfaces, interactive features, graphics, designs, databases and their data, computer code, products, software and all other elements and components of the Saturday website), but excluding such site content that is provided by insurer or another third party (the “Intellectual Property”). You may not reproduce, modify, create derivative works from, display, frame, perform, publish, distribute, disseminate, transmit, broadcast or circulate any such materials or content to any third party (including displaying or distributing the material using a third party website) without Saturday’s prior written consent except to use the Saturday website for its intended purposes. Saturday retains all rights that are not otherwise expressly granted in these Terms of Use.


VII. LIMITATION OF LIABILITY AND INDEMNITY

1. Limitation of Liability

YOU AGREE TO RELEASE SATURDAY, ITS AGENTS, EMPLOYEES AND CONTRACTORS FROM ANY AND ALL CLAIMS, LIABILITIES AND LOSSES IN CONNECTION WITH THE SATURDAY WEBSITE. YOU AGREE TO INDEMNIFY SATURDAY, ITS AGENTS, EMPLOYEES AND CONTRACTORS AGAINST ALL SUCH CLAIMS, LIABILITIES AND LOSSES BROUGHT BY THIRD PARTIES. YOU FURTHER AGREE THAT THIS RELEASE EXTENDS TO ANY PARTY CLAIMING UNDER YOU AND THAT NO INSURANCE COMPANY WILL HAVE ANY RIGHT OF SUBROGATION.

NEITHER SATURDAY, ITS AGENTS, EMPLOYEES NOR CONTRACTORS WILL BE LIABLE TO YOU OR ANY OTHER PARTY FOR CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES (INCLUDING WITHOUT LIMITATION THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) IN CONNECTION WITH THE SATURDAY WEBSITE, EVEN IF SATURDAY, ITS AGENTS, EMPLOYEES OR ITS CONTRACTORS ARE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS APPLY TO ALL CLAIMS, INCLUDING, WITHOUT LIMITATION, CLAIMS IN CONTRACT AND TORT (SUCH AS NEGLIGENCE, PRODUCT LIABILITY AND STRICT LIABILITY). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THOSE PARTICULAR LIMITATIONS MAY NOT APPLY TO YOU. WITHOUT LIMITING THE FOREGOING, THE SATURDAY WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

2. Indemnity

You agree to indemnify, defend, and hold Saturday harmless from any claims arising out of or relating to your actions, including, but not limited to, your use of the Saturday website and any information you submit, post, transmit, or make available via the Saturday website; failure to safeguard your passwords or other account information; or violating these Terms of Use, the Saturday Website Privacy Statement, or any other policy referenced in these Terms of Use, any applicable law or regulation, or the rights of any third party.


VIII. APPLICABLE LAW

Any dispute arising out of your use of the Saturday website shall be resolved according to the laws of the State of Delaware, United States of America, without giving effect to that state's principles of conflicts of laws. The federal and state courts of the State of Delaware shall have exclusive jurisdiction over all claims.


IX. SUSPENSION AND TERMINATION

1. Suspension or Termination by Saturday

Saturday may suspend or terminate your access to all or any part of the Saturday website at any time and for any reason, including for violation of these Terms of Use. In the event of termination, you are no longer authorized to use or access the Saturday website, and you shall have no recourse and Saturday shall have no liability as a result of any such termination. All provisions of these Terms of Use relating to warranties, indemnities, confidentiality obligations, proprietary rights, and limitation of liability shall remain effective despite such termination.

Saturday reserves the right to modify, terminate and suspend the operation of the Saturday website without notice or liability, at any time and for any or no reason in its sole and absolute discretion.

2. Cancellation of Account by You

You may choose to cancel your account at any time by contacting Saturday via the contact information below. If you cancel your account, your information that was collected via the Saturday website may be deleted.


X. CONTACT US

Any questions regarding these Terms of Use should be directed to support@saturdayinsurance.com.

Saturday Insurance Services, LLC (“Saturday” or “Saturday Insurance”) is a licensed, digital insurance advisor. All tools, quotes, and information provided by Saturday are for educational purposes only and based on the limited information, if any, provided by you. We urge you to consult with your financial and tax advisors before making any purchase decisions. All quotes and estimates are non-binding and are not to be construed as a guarantee you will be able to purchase insurance. Availability of insurance and final pricing is determined solely by our insurer partners and subject to their review and acceptance of a completed application. All product guarantees are subject to the claims-paying ability of your insurer.