This End User License Agreement ("Agreement") is a legal agreement between you ("You" or "Your") and LexisNexis Risk Solutions FL Inc., a Minnesota corporation, on behalf of itself and its affiliates (collectively, "Application Provider"). This product is licensed, not sold, to You and its use is governed by this Agreement unless a superseding license agreement applies. The Application Provider retains all rights not expressly granted to You. The product covered by this license is referred to as the Licensed Product ("Licensed Product").
We may change or modify this Agreement at any time at our sole discretion. If You continue to use the Licensed Product after the date any such changes become effective, You agree to the new Agreement.
Please Read this Agreement Carefully, As They Contain Important Information Regarding Your Legal Rights, Remedies, And Duties.
Privacy Policy: Our Privacy Policy applies to information collected from You via use of the Licensed Product.
If You Consent To It, We May Send You Electronic Communications: If You provide Application Provider, Your insurance carrier, potential insurance carrier, insurance broker or insurance agent (the "Authorized Insurance Representatives") with Your e-mail address and Your consent, You agree to (a) receive all required notices and information delivered to Your email address that we have on file for You and (b) promptly update us with any changes to Your email address. Application Provider reserves the right to end or change how to provide electronic communications and will provide You with appropriate notice.
We Reserve the Right To Modify the Licensed Product: Application Provider reserves the right to modify or discontinue, temporarily or permanently, the Licensed Product (or any part thereof) with or without notice. You agree that Application Provider will not be liable to You or to any third party for any modification, suspension or discontinuance of the Licensed Product.
Scope of License: By accepting this Agreement by electronically indicating You "agree" or "accept" by clicking or marking the appropriate location below or by installing or using the Licensed Product You agree to be bound by the terms of this Agreement. A license is hereby granted to You for the Licensed Product by Application Provider. The license granted to You is a limited non-transferable license to use the Licensed Product on the mobile device that You own or control and as permitted by the Usage Rules set forth in the applicable mobile application store terms and conditions (the "Usage Rules") solely for personal or commercial business purposes consistent with the terms of this Agreement and in accordance with any instructions provided by Application Provider and Authorized Insurance Representatives. This license is granted to You for Your use of the Licensed Product at Your own risk.
If You Use Any Of Our Mobile Services, You Are Responsible For Connectivity: To the extent You access the Licensed Product through a mobile device, Your wireless service carrier's standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain mobile services may be prohibited or restricted by Your carrier, and not all mobile services may work with all carriers or devices.
We May Send You Text Messages: By using the Licensed Product, You consent to receive information from us via SMS and/or MMS messages sent through an automated telephone dialing system ("Text Service"). You acknowledge and agree that (i) SMS or MMS messages will be sent to the number You provide and whoever has access to that mobile phone or carrier account will be able to see this information; and (ii) You are the subscriber for the number You provide and will inform the Authorized Insurance Representatives if You are no longer the subscriber. You may be required to respond to an initial message as instructed to complete Your registration and confirm enrollment in the Text Service. You do not have to participate in the Text Service in order to use the Licensed Product. In the event You no longer want to participate in the Text Service, You agree to notify the Authorized Insurance Representatives directly.
We are not liable for any delays in the receipt of, or any failures to receive, any SMS or MMS messages, as delivery is subject to effective transmission by Your mobile carrier and compatibility of Your mobile device.
You may text "STOP" to opt out of the Text Service or "HELP" for customer support information.
Age Requirements: If You are under 13 years of age, You are not authorized to use the Licensed Product, with or without registering. In addition, if You are under 18 years old, but at least 13 years old, You may use the Licensed Product, with or without registering, only if Your parent or guardian agrees.
Your Registration Obligations For The Licensed Product: If You want to use the Licensed Product, You will be required to register and create an account. You agree to provide and maintain accurate, current and complete information about yourself as prompted by the registration form. Application Provider may verify Your identity, which may require asking You for information, such as Your full address, Your date of birth, and/or requiring You to take steps to confirm ownership of Your email address or records ownership or verifying information You provide. If You do not provide this information or Application Provider cannot verify Your identity, we can refuse to allow You to use the Licensed Product. If You provide information of any kind which is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect any of these, we reserve the right to suspend or end Your access to the Licensed Product.
You are responsible for maintaining the confidentiality of Your password and account and are fully responsible for any and all activities that occur under Your password or account. You agree to immediately notify Application Provider of any unauthorized use of Your password or account or any other breach of security by mail.
You Must Behave Appropriately In Your Use Of The Licensed Product: You are solely responsible for all data, video, images, information, text, photographs, messages or other materials (together with any Submissions, the "Content") that You share with Application Provider or upload, post, publish or display (hereinafter, "upload") or email or otherwise use via the Licensed Product. Application Provider can investigate and take appropriate legal action against anyone who, in Application Provider's sole discretion, violates this provision, including without limitation, removing the Content from the Licensed Product, suspending or terminating Your account and reporting You to the law enforcement authorities. When using the Licensed Product, You shall not: (i) email or otherwise upload any Content that (a) infringes on any intellectual property or other proprietary rights of any party; (b) You do not have a right to upload under any law or under contractual or legally protected relationships; (c) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (d) poses or creates a privacy or security risk to any person; (e) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, "junk mail," "spam," "chain letters," "pyramid schemes," "contests," "sweepstakes," or any other form of solicitation; (f) is unlawful, harmful, threatening, abusive, harassing, tortious, violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another's privacy, hateful racially or ethnically or otherwise objectionable; (g) in the sole judgment of Application Provider, is objectionable or restricts or inhibits any other person from using or enjoying the Licensed Product; or (h) may expose Application Provider or its users to any harm or liability of any type; (ii) interfere with or disrupt the Licensed Product or servers or networks connected to the Licensed Product, or disobey any requirements, procedures, policies or regulations of networks connected to the Licensed Product; (iii) violate any relevant local, state, national or international law (including U.S. export laws or any equivalents or successors thereof), or any regulations having the force of law; (iv) impersonate any person or entity, or falsely state or otherwise misrepresent Your affiliation with a person or entity; (v) solicit personal information from anyone under the age of 18; (vi) harvest or collect email addresses or other contact information of other users from the Licensed Product by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications; (vii) advertise or offer to sell or buy any goods or services for any business purpose that is not specifically allowed; (viii) conduct or support any criminal activity or provide instructional information about illegal activities; (ix) obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Licensed Product; (x) circumvent or modify, attempt to or assist another in circumventing or modifying any security technology or software that is part of the Licensed Product (e.g., by masking Your IP address or using a proxy IP address); or (xi) engage in or use any data mining, robots, scraping or similar data gathering or extraction methods.
You Will Only Use The Licensed Product For Your Personal Use: Unless otherwise expressly allowed in this Agreement or in the Licensed Product itself, You shall not display, distribute, license, perform, publish, reproduce, duplicate, frame, scrape, copy, create derivative works from, modify, sell, rent, lease, loan, resell, exploit, transfer, or upload for any commercial purposes, any portion of the Licensed Product, use of the Licensed Product, or access to the Licensed Product. Any attempt to do so is a violation of the rights of the Application Provider and its licensors. If You breach this restriction, You may be subject to prosecution and damages. The terms of the license will govern any upgrades provided by Application Provider that replace and/or supplement the original Licensed Product, unless such upgrade is accompanied by a separate license expressly superseding this Agreement, in which case the terms of that license will govern.
The Licensed Product is for Your personal use only. This license does not allow You to use the Licensed Product on any other device or on any device that You do not own or control, and You may not distribute or make the Licensed Product available over a network where it could be used by multiple devices at the same time. You represent and warrant that any and all information You provide through the Licensed Product is accurate and true to the best of Your knowledge. You also agree that the Licensed Product and all upgrades, corrections, and enhancements thereto, are and shall continue to be, at all times property of Application Provider. In addition, the Licensed Product that may be accessed from, displayed on or linked to Your mobile device is not available in all languages or in all countries. The Application Provider makes no representation that the Licensed Product is appropriate or available for use in any particular location. To the extent You choose to access the Licensed Product, You do so at Your own initiative and are responsible for compliance with any applicable laws, including but not limited to applicable local laws.
Export Restrictions: You cannot use or otherwise export or re-export the Licensed Product except as authorized by United States law or the laws of the country where You got or downloaded the Licensed Product. Specifically, but without limitation, You cannot export or re-export the Licensed Product into any U.S. embargoed countries or to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person's list. By using the Licensed Product, You represent and warrant that You are not in any restricted country or on any restricted list. You also agree not to use the Licensed Product for any purposes prohibited by applicable law, including, without limitation, the development, design, manufacture or production of nuclear missiles, or chemical or biological weapons.
You Consent to Application Provider's Use of Data: You agree that Application Provider may collect, use, reproduce, distribute, publish, export, transmit, create derivative works from, adopt, modify, make copies and retain, edit, translate, in perpetuity: (i) technical data and related information including but not limited to technical information about Your device, system and application software, and peripherals, that are gathered periodically to facilitate the provision of software updates, product support and other services to You (if any) related to the Licensed Product; (ii) any and all information You, directly or indirectly, submit, post, transmit or upload to the Licensed Product ("User Data"), which may include, without limitation, Your address, name, email address, photographs, text, images, graphics, photos, audio, comments, suggestions, and communications with Application Provider; and (iii) location based and geographical information. Application Provider may share Your User Data and information with third parties like its parent company, affiliates, the company whose mobile application You utilized to provide the User Data and information, insurance carriers, insurance brokers, insurance agents (including independent, captive and managing general agents), individuals to which You consent or provide access to Your information or device or other relevant third-party service providers, parent companies and/or group affiliates to those entities listed above or others that are assisting in the provision of this Licensed Product (collectively "Other Parties"). Additionally, Application Provider and Other Parties may use Your User Data and information to improve its products or to provide services or technologies to You and for other products and services for which You consent, commercial purposes, property inspection purposes, claims authentication and investigations, underwriting of insurance, and for other purposes like fraud prevention and risk mitigation. However, Application Provider will not make any of Your User Data or information that is personal information public. You understand that by using the Licensed Product, You consent to the Application Provider using Your User Data and information previously provided in the Licensed Product prior to the last modified date of this Agreement in the manner set forth herein. You also understand that Application Provider and Other Parties may be required by law to disclose Your User Data or information regarding Your use of the Licensed Product and if required by law, Application Provider and Other Parties will comply with such requests.
You can get Application Provider's software applications through the Apple App Store, Google Play or other distribution channels ("Distribution Channels"). If You obtain such software through a Distribution Channel, You may be subject to additional terms of the Distribution Channel. This Agreement is between You and us only, and not with the Distribution Channel. To the extent that You utilize any other third party products and services in connection with Your use of our Licensed Product, You agree to comply with all relevant terms of any agreement for such third party products and services.
With respect to software that is made available for Your use in connection with an Apple-branded product (such Software, "Apple-Enabled Software"), in addition to the other terms and conditions set forth in this Agreement, the following terms and conditions apply:
We Retain All Rights to Our Licensed Product, Software and Trademarks: You acknowledge and agree that the Licensed Product may contain data, or other content, or features ("Service Content") that are protected by copyright, patent, trademark, trade secret or other proprietary rights and laws. Any use of the Licensed Product or the Service Content other than as specifically authorized in this Agreement is strictly prohibited. The technology and software underlying the Licensed Product or distributed in connection with it are the property of the Application Provider, our affiliates, licensors and partners. Any rights not expressly granted in this Agreement are reserved by the Application Provider.
The Licensed Product name and logos are trademarks and service marks of the Application Provider (collectively the "Application Provider Trademarks"). Other company, product, and service names and logos used and displayed via the Licensed Product may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to the Licensed Product. Nothing in this Agreement or the Licensed Product shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Application Provider Trademarks displayed on the Licensed Product, without our prior written permission in each instance. All goodwill generated from the use of the Licensed Product will inure to our exclusive benefit.
Third Party Services Contained Within the Licensed Product: The Licensed Product may enable access to Application Provider's and third-party services and web sites (collectively and individually, "Services"). Use of the Services may require Internet access and that You accept additional terms of service, including but not limited to Google Map Terms found at: https://maps.google.com/help/terms_maps.html; https://www.google.com/policies/privacy/; and https://cloud.google.com/maps-platform/terms/aup/ and Twilio Terms found at: https://www.twilio.com/legal/aup. Certain Services may display, include or make available content, data, information, applications or materials from third parties ("Service Materials"). By using the Services, You acknowledge and agree that the Application Provider is not responsible for examining or evaluating the content, accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect of such Service Materials.
We Are Not Responsible For Third Party Websites and Materials: The Licensed Product may contain links to websites owned or operated by third parties or otherwise contain content provided by third parties ("Third-Party Materials"). Such Third-Party Materials are provided solely as a convenience to You, and Application Provider is not responsible for, does not endorse, and makes no representation regarding any Third-Party Materials. We encourage You to review the privacy policy and terms of use for such Third-Party Materials. If You decide to visit any third party site linked in or to the Licensed Product, You do so at Your own risk. YOU AGREE THAT APPLICATION PROVIDER IS NOT RESPONSIBLE FOR THE SUBSTANCE OR ACCESSIBILITY OF ANY THIRD-PARTY MATERIALS ACCESSIBLE THROUGH THE LICENSED PRODUCT AND UNDERSTAND THAT YOU BEAR ALL RISKS ASSOCIATED WITH YOUR ACCESS TO AND/OR USE OF SUCH THIRD-PARTY MATERIALS.
We Respect The Intellectual Property Rights Of Others: If You believe that Your work has been copied in a way that results in copyright infringement, or that Your intellectual property rights have been otherwise violated, You may send a written complaint to Application Provider's Copyright Agent by mail at: 1000 Alderman Drive, Alpharetta, GA 30005. To be effective, the notification must be in writing and contain the following information:
Counter-Notice: If You believe that Your Content that was removed (or to which access was disabled) is not infringing, or that You have the authorization from the copyright owner, the copyright owner's agent, or under the law, to upload and use the content in Your Content, You may send a written counter-notice containing the following information to the Copyright Agent:
If a counter-notice is received by the Copyright Agent, Application Provider will send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at our sole discretion.
Repeat Infringer Policy: Following the Digital Millennium Copyright Act ("DMCA") and other relevant law, Application Provider has adopted a policy of terminating, in appropriate circumstances and at Application Provider's sole discretion, users who are deemed to be repeat infringers. Application Provider may also at its sole discretion limit access to the Licensed Product and/or terminate the access of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.
You agree to release, indemnify and hold Application Provider and its affiliates and their officers, employees, directors and agents (collectively, "Indemnitees") harmless from any and all losses, damages, expenses, including reasonable attorneys' fees, rights, claims, actions of any kind and injury (including death) arising out of or relating to Your use of the Licensed Product, any Content, Your violation of this Agreement or Your violation of any rights of another.
Your use of the Licensed Product is at Your sole risk. The Licensed Product is provided on an "as is" and "as available" basis. Application Provider expressly disclaims all warranties of any kind, whether express, implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.
APPLICATION PROVIDER MAKES NO WARRANTY THAT (i) THE LICENSED PRODUCT WILL MEET YOUR REQUIREMENTS, (ii) USE OF THE LICENSED PRODUCT WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE LICENSED PRODUCT WILL BE ACCURATE OR RELIABLE, OR (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE LICENSED PRODUCT WILL MEET YOUR EXPECTATIONS.
You expressly understand and agree that Application Provider will not be liable for any indirect, incidental, special, consequential, exemplary damages, or damages for loss of profits including but not limited to, damages for loss of goodwill, use, data or other intangible losses (even if Application Provider has been advised of the possibility of such damages) or the failure to store any data, whether based on contract, tort, negligence, strict liability or otherwise, arising out of or related to Your use of the Licensed Product. In no event will Application Provider's total liability to You for all damages, losses or causes of action exceed one hundred dollars ($100).
Some jurisdictions do not allow the disclaimer or exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations set forth above may not apply to You or be enforceable with respect to You.
Access to Server/Equipment: If, in response to a request for technical support, You provide Application Provider direct access to Your installation, either by providing usernames and passwords or by using the remote access tool(s), You accept that You will be providing us with full access to Your installation and confidential data. If, when accessing Your data, we lose or in some way damage Your data, servers, equipment or any system we will only be held liable to the extent outlined in section 7 (Our Liability to You is Limited) set forth above.
You agree that Application Provider, in its sole discretion and without notice to You, may suspend or end Your account (or any part of it) or use of the Licensed Product and remove and discard any data or other content within the Licensed Product, for any reason, including, without limitation, for lack of use or if Application Provider believes that You have violated or acted inconsistently with the letter or spirit of this Agreement. You may terminate Your access to the Licensed Product at any time by terminating Your account using the tools provided in the Licensed Product. Further, You agree that Application Provider will not be liable to You or any third party for any termination of Your access to the Licensed Product.
You agree that You are solely responsible for Your interactions with any other end user or customer in connection with the Licensed Product and Application Provider will have no liability or responsibility with respect thereto. Application Provider reserves the right, but has no obligation, to become involved in any way with disputes between You and any other user of the Licensed Product.
This Agreement constitutes the entire agreement between You and Application Provider and governs Your use of the Licensed Product, and any service provided, superseding any prior agreements between You and Application Provider with respect to the Licensed Product, and any service provided. This Agreement will be governed by the laws of the State of Georgia without regard to its conflict of law provisions. You and Application Provider agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within Fulton County, Georgia. The failure of Application Provider to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to Your use of the Licensed Product, and service provided or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. You may not assign this Agreement without prior written consent of Application Provider, but Application Provider may assign or transfer this Agreement, in whole or in part, without restriction. The section titles in this Agreement are for convenience only and have no legal or contractual effect. Notices to You may be made via either email or regular mail.
Contact
Please contact Application Provider to report any violations of this Agreement or to pose any questions regarding this Agreement or the Licensed Product via mail at LexisNexis Risk Solutions FL Inc., 1000 Alderman Drive, Alpharetta, GA 30005.
Notice of Ownership: Copyright 2025 LexisNexis.
V.8.1.25