TERMS OF SERVICE for COI-Verify.com

IMPORTANT – PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE VERY CAREFULLY:

Welcome to COI-Verify™, an online insurance verification and risk transfer process. The COI-Verify™ Service and network (collectively, ”COI™”, “COI-Verify™”, the “COI™ Service”, the “COI-Verify™ Service”, the “Service” or “COI-Verify™ Software”) is operated by COI-Verify, LLC (collectively, “us”, “we”, “our”, “Company”, “COI™”, or “COI-Verify™”). By accessing www.coi-verify.com (collectively, the “Site” or the “Website”), You (collectively, the “user”, “you” or “the company that you are authorized to represent”) signify that you have read, understand and agree to be bound by these Terms of Service (“Terms of Service” or “Agreement”), whether or not you are a registered member of COI-Verify™. Your use of the Site constitutes your acceptance of the Terms of Service. It is your obligation to ensure that You have read, understand and agree to the most recent terms available on the Website.
Please read these Terms of Service (collectively the “Agreement” or “Terms of Service”) before using the Services offered by COI-Verify, LLC. This Agreement sets forth the legally binding terms and conditions for your use of the Service, and any other features, Content, or applications offered in connection with the Service. For purposes of the Terms of Service, the term “Content” includes, without limitation, any advertisements, advice, suggestions, recommended actions, blogs or forum comments, processes, forms, information, contract templates, data, text, photographs, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible by Company or its partners on or through the Service.
We reserve the right, at our sole discretion, to modify or replace any of the Terms of Service, or change, suspend, or discontinue the Service (including without limitation, the availability of any feature, database, or Content) at any time by posting a notice on the Site or by sending You an email. We may also impose limits on certain features and Services or restrict your access to parts or all of the Service without notice or liability. It is your responsibility to check the Terms of Service periodically for changes. Your continued use of the Service following the posting of any changes to the Terms of Service constitutes acceptance of those changes. If You do not agree to abide by these or any future Terms of Service, then do not continue to use or access the Service or the Site.
This COI-Verify, LLC Terms of Service for COI-Verify.com
(the “Agreement”) is a legal agreement between You and COI-Verify, LLC. This Agreement governs your use of COI-Verify.com (the “Service”), the COI-Verify.com Web site (the “Site”), COI-Verify™ Software’s data (the “Data”), and all data supplied by You or other users (“User Data”).

You acknowledge and accept the terms and conditions of this Agreement by using the Service.

IF YOU DO NOT AGREE WITH THESE TERMS, YOU SHOULD IMMEDIATELY STOP USING THE SERVICE.

License. During the term of this Agreement, COI-Verify™ grants You the right to access and use the Service via the Website with the particular user roles available to You according to your subscription type. This right is a non-exclusive, non-transferable license to use the Service at such time as it is generally available. This right is limited by and subject to this Agreement. This Agreement does not grant You access to COI-Verify™ Software, Data, User Data or any other COI-Verify™ property other than for the purposes of using the Service.

Eligible Providers. You understand and agree that the actual performance of the Service may be made by COI-Verify™ Software, one or more affiliates of COI-Verify™ Software, or subcontractors of any of the foregoing entities (collectively, the “Eligible Providers”). For purposes of this Agreement, performance of the Service by any Eligible Provider shall be deemed performance by COI-Verify™ Software. COI-Verify™ Software shall remain fully responsible for the performance or non-performance of the Service by any Eligible Provider to the same extent as if COI-Verify™ Software performed or failed to perform such services. To the extent You may have a claim arising out of or related in any way to this Agreement or the performance or nonperformance of the Service, You agree that COI-Verify, LLC and not any Eligible Provider is responsible for any such claim.
Usage Limitations, Obligations and Availability. You agree that You will not provide access to the Service to any party other than yourself and other joint owners of your Service account, and You will take reasonable precautions to safeguard your password (the “Access ID”) and keep it confidential. You agree to use the Service and the Data only for lawful purposes. You agree not to resell, duplicate, reproduce or exploit any part of the Service without prior written permission from COI-Verify, LLC. You may not use the service to store, host, or send unsolicited e-mail (“SPAM”) or SMS messages. You may not use the Service to transmit any viruses, worms, or malicious content. You are responsible to provide at your expense all necessary telephone lines, Internet connection and equipment needed to access the Service. You must maintain the confidentiality of your assigned User Name and Access ID for the Service and You are responsible for all charges incurred under your User Name and Access ID, unless otherwise provided under these terms. The availability of the Service, the Site and the Data may be subject to interruption and delay without notice.

Right to Control and Remove Content. You shall not post any data, content or information nor take any action that is illegal, objectionable or in any way detrimental to COI-Verify™ Software, the Site, Service users, the Service, Data, User Data, Eligible Providers or the intent or spirit of this Service. COI-Verify™ Software has the absolute unconditional right, without limiting other remedies, to remove or limit any content, data, or any type of communication or information that COI-Verify™ Software, in its sole discretion, deems objectionable or unsuitable in any way; to limit, suspend or terminate your account, prohibit access to the Site and to take technical and legal steps to prohibit your use of or access to the Site, Services, Data, User Data, Eligible Providers or any related service or data.

Changes to the Service and this Agreement. COI-Verify™ reserves the right to change the Service and this Agreement, including fees, in COI-Verify’s sole discretion and from time to time, without notice to You except as required by applicable law. If You do not agree to any amendments, You may stop using the Service and terminate this Agreement as described below. Your use of the Service after You are notified of any change will constitute your agreement to the change.

Privacy. COI-Verify™ Software does not sell individual customer names or business information to third parties. COI-Verify’s Privacy Policy is posted on the Site. By using the Service, You authorize COI-Verify™ to use the information to provide the Service subject to COI-Verify’s Privacy Policy.
Subscription. COI-Verify™ reserves the right to charge fees for certain features of the Service. If you subscribe to such features, all applicable fees shall be paid prior to accessing the features. COI-Verify™ reserves the right to change its fees and to institute new fees at any time. Use of the Service by You following such changes constitutes your acceptance of any new fees or changes.
By subscribing to COI-Verify™, You are automatically enrolled in COI-Verify’s communication outreach services. These services include email communications, newsletter distribution and other services COI-Verify™ employs to disseminate information to members. You may unsubscribe at any time by clicking on the ‘unsubscribe’ link available in all distributed communication.

Fees. You may access the current COI-Verify™ fee schedule on the COI-Verify.com website.

Third Party Services. Optional products and services may be available to You through the Service and may require a credit card, approval by a third party, internet access, and/or additional fees, and may also require You to accept a separate license agreement or abide by terms and conditions for use. In order to access certain of these products and services, COI-Verify™ Software allows You to link with other Web sites that are owned by third-party vendors (the “Vendors”). Under no circumstances shall COI-Verify™ Software, or its subsidiaries or affiliates, be responsible or liable in any way for products or services offered by the Vendors. Matters relating to credit transactions, such as charge-backs of credit card charges, are the responsibility of the institution that handles your account.

Disclaimer Regarding Links to External Sites. The Service includes links to other Web sites on the Internet that are owned and operated by third parties not under the control of COI-Verify, LLC. COI-Verify™ Software provides the links for
your convenience only and does not provide a warranty of any type regarding the actions of such third parties or the security of information sent to such third parties while You are using their Web sites. Under no circumstances shall COI-Verify, LLC, or its subsidiaries or affiliates, be responsible or liable in any way for the availability of services or products offered, or the content located on or through, any such third party’s Web site.

Consent to Electronic Communications. The Service is an electronic, Internet based-service. Therefore, You understand and agree that the Service can be used for transmission of your content and that during processing, your content, including invoices, payment reminders and personal messages, may be transferred unencrypted over the Internet. You also understand and agree that this Agreement will be entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:
1.This Agreement and any amendments, modifications or supplements to it;
2.Any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; and
3.Any other communication related to the Service.

Term and Termination. You may terminate this Agreement at any time, provided, however, COI-Verify™ may require You to contact Client Services via telephone to arrange for account closing and to confirm your identity. COI-Verify™ may terminate this Agreement at any time upon notice to You, which may be delivered via e-mail to your latest e- mail address in COI-Verify’s records. In addition, if either party breaches a material provision of this Agreement, then the other party will have the right to terminate this Agreement immediately by giving notice to the party in breach. The termination of this Agreement shall not affect any fees or charges due to COI-Verify™ prior to termination, nor shall termination affect your liability or obligations under this Agreement.

DISCLAIMER OF LEGAL SERVICES AND CONSEQUENCES
COI-Verify is only a repository of information that facilitates the exchange of that information. The information and documents provided in the Service, Site, Data and Content include contract documents and other information that may be used for contracts, may conflict with existing laws in some jurisdictions and may have other legal consequences. Additionally, You may perform acts or omit to perform acts based on the Service, Site, Data, or Content that may have legal consequences. For all acts or omissions, contracts you enter into and any other decisions you make relating in any way to the Service, Site, Data, or Content You should have your attorney review and approve your actions. The applicability, accuracy, completeness, or adequacy of the Service, Site, Data and Content are not warranted or guaranteed. COI-Verify, LLC is not a law firm and does not provide legal services. The Service, Site, Data and Content are provided with the understanding that the information is not intended to and does not constitute legal advice and does not form an attorney-client relationship. The documents have been licensed to you for your personal use only. You may use, edit, and reproduce the templates but may not reproduce them for resale. Laws vary from jurisdiction to jurisdiction. Use of part or all of a contract or a recommended action may be prohibited or may not provide the intended result. You should consult with your attorney before taking any action or entering into any contract. The Service, Site, Data and Content are provided without any guarantee or warranty regarding the suitability or enforceability of all or part of the documents or any actions You may take. User acknowledges that the forms are generic; are not prepared for any particular state or jurisdiction; and are provided for User’s convenience only. The use of the documents and information contained in the Service, Site, Data and Content may have important legal consequences and User agrees to consult its attorney to ensure compliance with applicable laws. It is User’s responsibility to determine specific contractual requirements and legal consequences for its jurisdiction. User acknowledges that COI-Verify, LLC is not providing legal advice and User has no attorney-client relationship with COI-Verify, LLC.
THE USER AGREES THAT COI-Verify.com SHALL NOT BE LIABLE IN ANY WAY FOR ANY CLAIM OF ANY TYPE ARISING OUT OF OR RELATED IN ANY WAY TO THE USER’S USE OF DOCUMENTS OR FORMS PROVIDED OR TO THE USER’S ACTS OR OMISSIONS BASED IN ANY WAY ON INFORMATION PROVIDED IN THE SERVICE, SITE, DATA OR CONTENT.

DISCLAIMER OF INSURANCE POLICY TEMPLATES AND CONSEQUENCES
COI-Verify is only a repository of information that facilitates the exchange of that information. The information and documents provided in the Service, Site, Data and Content include insurance policy template documents and other information that may be used for verifying the existence of valid insurance coverage, may conflict with existing laws in some jurisdictions and may have other legal consequences. Additionally, You may perform acts or omit to perform acts based on the Service, Site, Data, or Content that may have legal consequences. For all acts or omissions, policy templates You utilize and any other decisions You make relating in any way to the Service, Site, Data, or Content You should have your attorney review and approve your actions. All insurance policy verification request documents You download from COI-Verify.com are intended to be utilized as draft templates. Each document, as a template, should be reviewed and approved by your insurance agent and attorney to assure it complies with your State laws and any other applicable laws. The currency, accuracy, completeness, or adequacy of the content in these policy template documents are not warranted or guaranteed. COI-Verify, LLC is not an insurance agency and may not perform services performed by an insurance agent or attorney. COI-Verify™ and its policy template documents and services are not substitutes for the advice of a licensed Insurance Agent or Attorney. COI-Verify.com documents are provided to You with the understanding that the content contained on or made available through the document is not intended to and does not constitute legal advice and does not form an attorney-client relationship. The documents You are able to download have been licensed to You for your personal use. You may use, edit, and reproduce the templates but may not reproduce them for resale. Laws relating to certificates of insurance forms and policy templates vary from jurisdiction to jurisdiction. DO NOT copy,forward, transfer, request information or take any kind of action relating to certificates of insurance or policy templates without first consulting your attorney and/or insurance agent. We advise You to consult with your insurance agent and attorney to edit the insurance policy templates available to you on the COI-Verify.com to ensure compliance with laws of your jurisdiction. All insurance policy templates are provided without any guarantee or warranty regarding the suitability or enforceability of the document or any of its various provisions.
User acknowledges that the forms are generic; are not prepared for any particular state or jurisdiction; and are provided for User’s convenience only. The documents have important legal consequences and User agrees to consult its insurance agent and/or attorney to ensure that the policy template document complies with applicable laws. It is User’s responsibility to determine specific certificate of insurance requirements for its jurisdiction. User acknowledges that COI-Verify, LLC is not providing any insurance advice or legal advice and the User has no insurance agent-client relationship and has no attorney-client relationship with COI-Verify, LLC.
THE USER AGREES THAT ALL COI-Verify.com INSURANCE POLICY TEMPLATES WILL NOT BE USED AS A FINAL DOCUMENT WITHOUT THE ADVICE OF THE USER’S INSURANCE AGENT AND/OR ATTORNEY.
THE USER AGREES THAT COI-Verify.com SHALL NOT BE LIABLE IN ANY WAY FOR ANY CLAIM OF ANY TYPE ARISING OUT OF OR RELATED IN ANY WAY TO THE USER’S USE OF DOCUMENTS OR FORMS PROVIDED OR TO THE USER’S ACTS OR OMISSIONS BASED IN ANY WAY ON INFORMATION PROVIDED IN THE SERVICE, SITE, DATA OR CONTENT.

IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT USE ANY COI-VERIFY, LLC DOCUMENTS.
DISCLAIMER OF WARRANTY. YOU EXPRESSLY AGREE THAT USE OF THE SERVICE, SITE, DATA AND CONTENT IS AT YOUR OWN RISK. THE SERVICE, SITE, DATA AND CONTENT IS PROVIDED “AS IS” WITH NO WARRANTIES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF AVAILABILITY, RELIABILITY, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

DISCLAIMER REGARDING USER DATA. YOU MAY PROVIDE DATA THROUGH THE USE OF THIS SERVICE THAT YOU MAY CONSIDER CONFIDENTIAL. YOU AGREE THAT COI-VERIFY™ SOFTWARE MAY DISCLOSE “USER DATA” TO OTHER PARTIES USING THE SERVICE. OTHER SERVICE USERS, INCLUDING BUT NOT LIMITED TO INSURANCE CARRIERS AND INSURANCE AGENTS, MAY INADVERTENTLY PROVIDE INCOMPLETE OR INCORRECT DATA REGARDING YOU , OTHER USERS, OR THIRD-PARTIES. YOU AGREE THAT COI-VERIFY™ SOFTWARE SHALL NOT BE LIABLE IN ANY WAY FOR THE DISCLOSURE OF “USER DATA” TO ANY OTHER PARTIES NOR FOR THE DISPLAY, DISTRIBUTION, OR TRANSFER OF INCOMPLETE OR INCORRECT DATA. COI-VERIFY™ SOFTWARE SHALL NOT BE LIABLE FOR OTHER USER’S CONTENT, ACCURACY OR INACCURACY OF SUCH CONTENT, ACTIONS OR INACTIONS. YOU AGREE TO WAIVE ANY AND ALL CLAIMS FOR DAMAGES OF ANY KIND AGAINST COI-VERIFY™ SOFTWARE EXCEPT AS ALLOWED UNDER THE LIMITATION OF LIABILITY PROVISIONS.

LIMITATION OF LIABITITY. IN NO EVENT WILL COI-VERIFY, LLC BE RESPONSIBLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICE, SITE, DATA OR CONTENT. YOUR SOLE REMEDY FOR ANY LIABILITY IS A REFUND OF TOTAL FEE’S PAID TO COI-VERIFY™ IN THE 30 DAYS PRIOR TO THE ACTION GIVING RISE TO THE LIABILITY.

DISPUTES WITH OTHER USERS OR THIRD PARTIES. If you have a dispute with one or more users or third-parties arising out of or relating in any way to the site, service, data, or user data, COI-Verify, LLC, its officers, directors, agents, employees, successors and assigns shall not be liable for any claims, damages, lawsuits, demands of any kind, known and unknown, arising out of or connected in any way with such disputes.

INDEMNITY. You will indemnify, defend, and hold harmless COI-Verify, LLC, its officers, directors, agents, employees, successors and assigns, from any and all claims, damages, lawsuits, or demands of any kind, including reasonable attorney’s fees, (collectively referred to as Claims) made by any other users or third-party arising out of or related in any way to your use of this Site, Service, Data, User Data, Content or your violation of any law or rights of the claimant. This indemnity obligation is valid for all Claims in which You are wholly or partially, in any amount or percentage, liable. This indemnity obligation does not apply if COI-Verify™ is solely liable for the Claims; however, if You are liable in any amount or percentage for the Claims, then You must indemnify and defend COI-Verify, LLC for its acts or omissions.

VENUE AND IMPROPERLY FILED CLAIMS. All claims must be brought in the State Circuit Court in Richland County, South Carolina. All claims filed or brought in any other jurisdiction shall be considered improperly filed. Should you file a claim in any jurisdiction other than South Carolina Circuit Court in Richland County, South Carolina, you will be liable to COI-Verify, LLC for attorney’s fees and costs up to $10,000 if COI-Verify™ notifies you in writing of the improperly filed claim and you fail to promptly withdraw the improperly filed claim.

OTHER PROVISIONS. COI-Verify, LLC may assign this Agreement to any future, directly or indirectly, affiliated company. COI-Verify™ may also assign or delegate
certain of its rights and responsibilities under this Agreement to independent contractors or other third parties. If any provision of this Agreement is unenforceable, the validity and enforceability of the other provisions shall not be affected. Failure of any party to enforce any provision of this Agreement shall not be construed as a waiver of such provision or of the right to enforce such provision. This Agreement shall be governed by and construed under the laws of the State of South Carolina. You hereby consent to the jurisdiction of the courts of South Carolina with respect to any claim relating to this Agreement. The Disclaimer of Warranty, Indemnity and the Other Provisions sections of this Agreement shall survive the termination of this Agreement. The parties agree that any communication relating to the Agreement sent via e-mail constitutes a “writing” for all purposes, including the giving of notice, hereunder. The captions of Sections herein are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

ENTIRE AGREEMENT. You agree that this Agreement is the complete and exclusive statement of the agreement between You and COI-Verify™ related to the Service, which supersedes any proposal or prior agreement, oral or written, and any other communications between You and COI-Verify™ relating to the subject matter of this Agreement. If there is a conflict between any communication and the terms of this Agreement, the terms of this Agreement shall control.

FEEDBACK. COI-Verify™ Software may provide You with a mechanism to provide feedback, suggestions and ideas about the Service or other COI-Verify™ online products and services (“Feedback”). You agree that COI-Verify™ may, in its sole discretion, use the Feedback in any way, including but not limited to future modifications of the Service, multimedia works and/or advertising and promotional materials relating thereto. You hereby grant COI-Verify™ a perpetual, worldwide, fully transferable, non-revocable, royalty free license to use, reproduce, modify, create derivative works from, perform, distribute and display for any purpose any information You provide to COI-Verify™ Software as Feedback.