Last Updated: January 15th, 2025
THIS AGREEMENT CONTAINS AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT WAIVE YOUR RIGHT TO A COURT HEARING OR JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. ARBITRATION IS MANDATORY AND THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS SPECIFIED BELOW OR UNLESS YOU OPT-OUT.
Nicholas Vlass Insurance ("we" or "our") owns and operates this website. Nicholas Vlass Insurance provides and maintains this site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in this Terms of Use. By accessing and using the site, you accept and agree, without limitation, to the following:
You understand and agree that Nicholas Vlass Insurance is not an insurance provider for all products and is not the creditor for or issuer of, any of the products featured on the Site. Any products or services advertised at this site or made available to you by any of our partners after you leave the Nicholas Vlass Insurance site, are by and remain the sole responsibility of the respective product vendors and service providers.
Your receipt of an electronic or other form of order request confirmation does not signify any acceptance of your application, nor does it constitute confirmation of any offer to supply you with an insurance policy. Nicholas Vlass Insurance reserves the right at any time after receipt of your information via form to accept or decline your request for any reason. Nicholas Vlass Insurance is not responsible for requests that cannot be supplied or unsuccessful application requests arising from an applicant's ineligibility to qualify for the insurance policy opportunity.
You must be 18 years or older to use the Site. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your purchase of products or services through the Site's third party affiliates. Nicholas Vlass Insurance may, in its sole discretion, report actual or perceived violations of law to law enforcement or other appropriate authorities. If Nicholas Vlass Insurance becomes aware, through a complaint or otherwise, of any potential or suspected violation of these Terms of Use or of its Privacy Policy, Nicholas Vlass Insurance may investigate the suspected violation and take appropriate enforcement action. During the investigation, Nicholas Vlass Insurance may suspend services to any customer being investigated and/or remove any material related to the aforementioned consumer from Nicholas Vlass Insurance's servers. You agree to cooperate fully with any such investigation. You acknowledge that violations of the Terms of Use or the Privacy Policy could be subject to criminal or civil penalties.
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by Nicholas Vlass Insurance, its licensees, or other third parties who have authorized use of such properties on the Site.
Nicholas Vlass Insurance grants you permission to view and make copies of documents, pages, images or other materials or content on this site for the purposes of submitting a request for an insurance policy from Nicholas Vlass Insurance or its affiliates for your non-commercial, personal use. Nicholas Vlass Insurance reserves all other rights in this web site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of Nicholas Vlass Insurance. Except as expressly provided on this site, nothing contained on this site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right.
Nicholas Vlass Insurance uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. Nicholas Vlass Insurance makes no representations regarding the use or results of any content on the Site as to its accuracy, reliability or any other matter. NEITHER NICHOLAS VLASS INSURANCE NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. These exclusions and limitations are applied to the fullest extent permitted by law in each jurisdiction.
The Site may contain links to sites maintained by third parties. Nicholas Vlass Insurance is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.
Nicholas Vlass Insurance's Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through the Site in accordance with the Privacy Policy available at privacy.html. The Privacy Policy sets out your rights and Nicholas Vlass Insurance's responsibilities with regard to your personal information. Nicholas Vlass Insurance will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. You agree that Nicholas Vlass Insurance, in its sole discretion, may modify the Privacy Policy, and you further agree that, by using the Site after such modifications become effective, you have agreed to these modifications. You acknowledge that if you do not agree to any such modification, you will terminate use of the Site.
Nicholas Vlass Insurance utilizes secure technology to protect your personal information. Although Nicholas Vlass Insurance has taken reasonable measures to provide for the security of certain information that you submit to the Site, Nicholas Vlass Insurance cannot guarantee that this information will not be intercepted or decrypted by others. Nicholas Vlass Insurance accepts no responsibility for such interception or decryption.
Nicholas Vlass Insurance is not your agent, nor is it the agent of the issuer of any insurance policies or any supplier with respect to your decision to obtain an insurance policy or other insurance offerings. Nicholas Vlass Insurance may receive compensation from third parties for goods, facilities or services that Nicholas Vlass Insurance provides to third parties under separate contract. Such goods, facilities or services may or may not relate in any way to your use of the Site. You agree to any such compensation arrangement whether or not related in any way to your use of the Site.
You agree that any legal action brought against us shall be governed by the laws of the State of Arizona, without regard to conflict of law principles. You agree that the sole jurisdiction and venue for any litigation arising from your use of or orders made on the Site shall be an appropriate federal or state court located in Arizona. Nicholas Vlass Insurance makes no representations that the content in the Site is appropriate for access outside the United States. Those who choose to access the Site from outside the United States do so on their own initiative and are responsible for compliance with local laws. If any provision within this Terms of Use is held to be invalid or unenforceable, such provision shall be struck and all remaining provisions shall be enforced.
Where 'prior express written consent' within the meaning of the Telephone Consumer Protection Act ('TCPA') is provided, you consent to receive telephone calls, including artificial voice calls, pre-recorded messages and/or calls delivered via automated technology, and text and SMS messages to the telephone number(s) that you provided from us and our marketing partners. You are not required to provide this consent to purchase goods or services. Your consent simply allows us to contact you via these means. If you provide consent, Nicholas Vlass Insurance may send you SMS messages. Message and data rates may apply. Text STOP to opt-out from future messages and HELP for more information. The mobile carriers are not liable for delayed or undelivered messages.
Nicholas Vlass Insurance reserves the right to modify these Terms of Use from time to time. Your use of the Site after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.
Nicholas Vlass Insurance is always willing to answer your questions or concerns about this site. If you have questions relating to the terms of your insurance policy, please contact your insurance carrier directly.