Terms and Conditions
Welcome to Police. Police provide their services to you subject to the following conditions. If you visit and use the Police website, you accept these conditions. Please read them carefully.
Please review our Privacy Statement, which also governs your visit to Police, to understand our practices.
We do not offer or sell any insurance or other products described on the Site. Instead, the Site acts as a venue to allow insurance companies, insurance agents and other parties who are customers of our Site (each, a "Provider") to offer for sale and sell, in a variety of formats, insurance and other authorized products to potential consumers (each, a "Prospect", and all Prospects and Providers are collectively called the Site's "users") who have visited one of our affiliated sites and applied to receive insurance or other authorized quotations from a Provider (the "Service"). We are not involved in the actual transaction between any Prospect and any Provider even though we may, through our affiliate sites, and with each Prospect's authorization, collect certain information (collectively, a "Lead") about any Prospect and sell such Lead to a Provider. As a result, the quality, safety or legality of the products offered by any Provider for sale, the truth or accuracy of the representations regarding such products, the ability of Providers to offer or sell such products or the ability of Prospects to pay for the products offered are solely the responsibility of each user. We are an independent contractor for all purposes. Importantly, we do not issue insurance contracts or bind coverage. We are not responsible in any way for the conduct of any Prospect or Provider. We do not endorse or recommend any companies or insurance policies. We do not provide insurance, tax, legal or any other financial advice. We do not guarantee that any of the Providers to whom we forward any Prospect's application will contact such Prospect or agree to provide the Prospect with the desired coverage. If you are a Prospect and you would like personal advice or specific policy recommendations, please consult with an insurance agent, broker or other qualified professional.
When you visit and/or use this website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of our company or its content suppliers and protected by Canadian, American and international copyright laws. The compilation of all content on this site is the exclusive property of our company and protected by copyright laws. All software used on this site is the property of our company or its software suppliers and protected by copyright laws.
Our company and other marks indicated on our site are registered trademarks or subsidiaries, in Canada, the United States and other countries. Other graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of our company or its subsidiaries. Our company trademarks and trade dress may not be used in connection with any product or service that is not associated with our company, in any manner that is likely to cause confusion among customers or the general public, or in any manner that causes loss, disparages or discredits our company. All other trademarks not owned by our company or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponso red by our company or its subsidiaries.
License And Site AccessOur company grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of our company. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of our company. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of our company without express written consent. You may not use any meta tags or any other "hidden text" utilizing our company name or trademarks without the express written consent of our company. Any unauthorized use terminates the permission or license granted by our company. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of our company so long as the link does not portray our company, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any company logo or other proprietary graphic or trademark as part of the link without express written permission.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Police reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in their sole discretion.
Disclaimer Of Warranties And Limitation Of Liability
THIS SITE IS PROVIDED BY Police ON AN "AS IS" AND "AS AVAILABLE" BASIS. Police SPECIFICALLY WARRANT OR GUARANTEE THE ACCURACY OF ITS SEARCH REPORTS. THE INFORMATION CONTAINED IN OUR REPORTS REPRESENTS THE LIEN RECORDS AND DATA OF THE NATIONAL DATABASE PROVIDERS ON OR BEFORE THE DATE AND TIME INDICATED ON THE REPORT. Police MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING ANY LIENS OR SECURITY INTERESTS FILED AFTER THE DATE AND TIME INDICATED ON THE REPORT. IN ADDITION, Police SPECIFICALLY DISCLAIMS ANY LIABILITY FOR THE CRIMINAL OR FRAUDULENT ACTS OF THIRD PARTIES. Police MAKES NO WARRANTIES OR REPRESENTATIONS AS TO THE TURN AROUND TIME OF ITS SEARCH REPORTS. Police IS NOT RESPONSIBLE FOR ANY DAMAGES, DIRECT, CONSEQUENTIAL, PUNITIVE OR OTHERWISE, THAT YOU MAY SUFFER AS A RESULT OF AN UNUSUAL DELAY IN THE TRANSMISSION OF OUR REPORTS. BY ACCEPTING THIS LICENSE TO USE OUR WEBSITE YOU ALSO AGREE THAT, AS A CONDITION OF ANY PAYMENT TO YOU, YOUR SUCCESSORS OR ASSIGNS, BY Police AS PART OF ITS GUARANTEE OF THE ACCURACY OF ITS REPORTS, YOU, YOUR SUCCESSORS AND ASSIGNS WILL SUBROGATE ANY AND ALL RIGHTS THAT YOU MAY HAVE AGAINST ANY PARTY THAT CAUSED THE LIEN OR SECURITY INTEREST TO BE FILED.
GOVERNING LAW: JURISDICTION AND VENUE
This Agreement including without limitation this Agreement's interpretation, shall be treated as though this Agreement were executed and performed in Cyprus and shall be governed by and construed in accordance with the laws of Cyprus without regard to its conflict of law principles.
ANY CAUSE OF ACTION BY YOU ARISING OUT OF OR RELATING TO THE WEBSITE, SERVICES, OR THIS AGREEMENT MUST BE INSTITUTED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE OR BE FOREVER WAIVED AND BARRED. ALL ACTIONS SHALL BE SUBJECT TO THE LIMITATIONS SET FORTH IN ABOVE. The language in this Agreement shall be interpreted in accordance with its fair meaning and not strictly for or against either party.
If You and Police cannot resolve a Claim through negotiations, either party may elect to have the Claim finally and exclusively resolved by binding arbitration. Any election to arbitrate by one party shall be final and binding on the other(s). YOU HEREBY ACKNOWLEDGE THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT WITH A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA"), available at the AAA website www.adr.org. The arbitration may be conducted in person, through document submission, through telephone, or online. The arbitrator will issue a decision in writing, but need only provide a statement of reasons if requested by a party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. The prevailing party in any action or proceeding related to this Agreement shall be entitled to recover reasonable legal fees and costs, including attorney's fees which may be incurred, and including the arbitration fee, but only upon a finding by the arbitrator that the non-prevailing party raised only frivolous claims. Police may litigate to compel arbitration in court, to stay proceedings pending arbitration, or to modify, confirm, vacate, or enter judgment on the award entered by the arbitrator.
(b)Restrictions Against Joinder of Claims
You and Police agree that any arbitration shall be limited to each Claim individually. To the full extent under the law, (1) no arbitration shall be joined with any other arbitration; (2) there is no right for any Claim to be arbitrated on a class-action basis or to employ class action procedures; and (3) there is no right of authority for any dispute to be brought in a purported representative capacity on behalf either of the general public or any other individuals.
(c)Remedies in Aid of Arbitration; Equitable Relief
This agreement to arbitrate will not preclude You or Police from seeking provisional remedies in aid of arbitration, including without limitation orders to stay a court action, compel arbitration or confirm an arbitral award, from a Court of Competent Jurisdiction. Furthermore, this agreement to arbitrate will not preclude You or Police from applying to a Court of Competent Jurisdiction for a temporary restraining order, preliminary injunction, or other interim or conservatory relief, as necessary. As used herein, "Court of Competent Jurisdiction" means any federal or state court: (1) that has jurisdiction over the subject matter;
Site Policies, Modification, And Severability
Please review our other policies, such as our Privacy Notice, posted below. These policies also govern your visit to and use of Police. We reserve the right to make changes to our site, policies, and these Conditions of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.
Volume Discount Offer Refund Policy:
Click here to see our refund policy.