TERMS & CONDITIONS
PLEASE READ THE FOLLOWING INFORMATION CAREFULLY BEFORE READING OR ACCESSING THIS WEBSITE OR USING THE INFORMATION CONTAINED HEREIN.
These Terms and Conditions (“Terms”) govern your use of www.policypaul.com, a Barrington Media Group, LLC dba BMG360(“BMG”, “our”) website. Please read the terms in full before using our website. We reserve the right to modify these Terms at any time without prior notice, and your use of the website binds you to the changes made. We do occasionally update these terms so please refer to them in the future. You must read and agree with all of the terms and conditions contained in this Agreement and the posted Privacy Policy then in effect ("Privacy Policy"), which is incorporated by reference, before you use the Service. If you do not agree to be bound by the terms and conditions of this Agreement, you may not use or access the Service.
“Policy Paul” is an asset character portrayed by a paid actor managed by BMG. BMG owns all copyright, trademark, and all other intellectual property rights in and to Policy Paul. Policy Paul is not affiliated with any insurance carrier.
Use and Access to Website
By using this Website, you agree to be bound by and to comply with these Terms and Conditions and the posted Privacy Policy which is incorporated herein as though fully set forth herein. Upon entering the requested information, our technology will forward your information to one of our participating providers or to an aggregator and their providers who may contact you regarding your request for services or products. This may be done automatically and a new window may appear or the provider may contact you directly by telephone, email or mail as set forth below. WE ARE NOT RESPONSIBLE FOR ANY ACTIONS AFTER YOU HAVE LEFT THIS WEBSITE. UPON ENTRY INTO AN PARTICIPANT'S WEBSITE LINKED TO THIS WEBSTIE, YOU SHOULD CAREFULLY REVIEW THE Privacy Policy AND TERMS AND CONDITIONS OF USE OF THAT WEBSITE BEFORE ENTERING ANY PERSONAL INFORMATION AS THOSE POLICES AND TERMS WILL DIFFER FROM THESE. In order to provide you the services you have requested, you are expressly giving your permission to provide any information collected on this Website to third parties. As such, you are expressly giving your permission for such third parties to contact you by mail, email, text messaging or telephone. By registering and using this Website, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). Notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List (or a state do-not-call) list you have authorized us to contact you via telemarketing in accordance with the ATSR. Moreover, by registering with, or requesting information from, a third-party provider at or through the Website or other advertisement media made available by us (e.g., email marketing), you agree that such action shall constitute a purchase, an inquiry and/or an application with the respective third-party provider for purposes of the ATSR and you may be contacted via email, direct mail and/or telemarketing by such third-party provider in accordance with the ATSR. If, at any time, you do not wish to be bound by these conditions or you are unsatisfied with the Website, its content or other legal notices, you agree that your sole and exclusive remedy is to discontinue using this Website and you may opt-out using the method given below. You further represent and warrant that: (i) You are at least 18 years of age and possess the legal authority to enter into an agreement and to use the Website in accordance with these Terms and Conditions; (ii) All information supplied by you is true and accurate (without limitation of the foregoing, the provision of any speculative, incorrect, misleading, false or fraudulent information is prohibited); (iii) You understand and agree that Company may share personally identifiable information and other information provided by, and aggregated information about you and other users with its vendors, sponsors, providers, service providers and marketers, lookup and reference services, other unaffiliated third parties, and other entities that Company believes are able to provide its Website users with offers and opportunities, as more fully described in the Company's posted Privacy Policy (iv) You understand that abuse of this Website may result in your being denied access to such Website, as determined by Company in its sole discretion; (v) You understand and agree that Company controls only the landing page and intake forms on this Website. Upon entry of the requested information, a participating Provider will be contacting you directly to provide you with information regarding their services. Company shall not be responsible for any Provider or aggregators contact with you or any subsequent agreement you may enter into with such Provider or aggregator; and (vi) Your use of the Services on this Website is subject to all applicable federal, state and local laws and regulations; (vii) You also give us permission to send you periodic updates of services and products which may be of interest to you through email, mail, or telemarketing; You understand that our providers may maintain the information you submitted to us whether you elect to use their services or not. In the event you no longer want to receive communications from one of our providers, you agree to notify the partner directly.
Services
The Website is an online network marketplace. You understand and agree that if you submit a request through the Website, we will share your personal information (such as your full name, address, telephone number,) with participating providers in our network to process and fulfill your request. You understand and agree that we are not a provider of the services or products that are advertised on this website or undertake a credit analysis or make credit decisions in connection with the Service and that we are not a party to any agreement that you may make with any participating service provider. The participating provider(s) with whom you contract to assist you is solely responsible for its services to you. You further acknowledge and agree that we are not acting as your agent or broker and are not recommending any particular service provider to you. Any compensation we may receive is paid by the participating service provider for advertising services we provided to them. We do not charge you a fee to use the Website. You understand that the requirements for a particular service are made by the participating service providers and we do not endorse, warrant, or guarantee the products, service, or providers. Nothing contained in this Agreement shall constitute an offer or promise for a loan commitment or services or products. You agree that we shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the service provider's services. You also give us permission to send you periodic updates of services and products which may be of interest to you. Please note that information we provide you either on the website or by email may not be used as the sole basis for your decision to retain a particular service provider, and their services may not meet your particular needs.
Website Uptime
We take all reasonable steps so that our website is available 24 hours every day, 365 days per year. However, websites do sometimes encounter downtime due to server and other technical issues. Therefore, we will not be liable if this Site is unavailable at any time. Our Site may be temporarily unavailable due to issues such as system failure, maintenance or repair, or for reasons beyond our control. Where possible, we will try to give our users advance warning of maintenance issues but shall not be obliged to do so.
User Conduct
You agree not to use this website or its Content for any illegal or unauthorized activity. You agree that you will not use any device, software, or other technology to interfere or attempt to interfere with the proper working of this website. You agree not to use this website or its Information or Content for any commercial purposes. You agree not to crawl, spider, scrape, or otherwise deploy automated agents or other technology to collect, harvest, mine, or otherwise similarly interact with this website or its Content. You agree that we can prohibit, prevent and/or disable such automated activities.
We will fully cooperate with any law enforcement authorities or court order requiring us to disclose the identity or other details or any person posting materials to our website in breach of this Section.
You shall not use our website while distracted or preoccupied, such as when operating a motor vehicle. You should access our website only with due regard for your own safety and the safety of others.
Trademarks
The trademarks, service marks, and logos (the “Trademarks”) used and displayed on this website are registered and unregistered Trademarks of Barrington Media Group, LLC and others. Trademarks, service marks, logos, and/or domain names are the property of their respective owners, who have no association with or make any endorsement of the products or services provided by this Website.
Forward-looking statements.
The Information may contain “forward-looking statements” – that is, statements related to future events. In this context, forward-looking statements often address our expected future business and financial performance and financial condition and/or other matters. Forward-looking statements by their nature address matters that are uncertain, and are based on assumptions about many important factors, including without limitation current economic and financial conditions, volatility in interest and exchange rates, commodity and equity prices and the value of financial assets; potential market disruptions or other impacts arising in the United States or abroad; the level of demand and financial performance of the major industries we serve; the impact of regulation and regulatory, investigative and legal proceedings and legal compliance risks; strategic actions; and numerous other matters of national, regional and global scale. These uncertainties may cause actual future results to be materially different than those expressed in our forward-looking statements. We do not undertake to update our forward-looking statements. IN NO EVENT SHALL BMG OR ANY THIRD PARTIES MENTIONED IN THIS DOCUMENT OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR SHAREHOLDERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE MATERIAL IN THIS DOCUMENT OR SITES LINKED TO IT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT BMG OR ANY SUCH PARTIES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Relationship With Marketing Providers
This is an independent Website and is not affiliated with any of the listed products or services. Furthermore, participating service providers are independent third parties and this Website is not acting as a principal, agent or broker with respect to any providers.
Third Party Content/Promotions, Third Party Products, And Third Party Website Activities.
The Website may display and make available content, promotions, advertisements, and offers provided by third parties ("Third Party Promotions"), as well as goods and services offered by third parties ("Third Party Products"). You understand and agree that BMG shall not be responsible and shall have no liability for any Third Party Promotion or Third Party Product or for your activities on any third party Websites for whom BMG displays offers ("Third Party Website Activity"), and that you participate in or choose to click on a Third Party Promotion, purchase and/or use a Third Party Product, or participate in a Third Party Website Activity solely at your own risk. You agree that your sole remedy in connection with any Third Party Promotion, Third Party Product or Third Party Website Activity will be with the applicable Third Party offering the Third Party Promotion, Third Party Product or Third Party Website Activity and that you shall have no remedy against BMG arising from your use of or participation in, or inability to use or participate in, any Third Party Promotion, Third Party Product or Third Party Website Activity.
Ownership of Information
Information is copyrighted and protected by worldwide copyright laws and treaty provisions. Except as expressly provided herein, Information may not be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any way, without BMG’s prior written permission. BMG does not grant any express or implied right to you under any patents, copyrights, trademarks, or trade secret information.
Applicable Laws
This website is controlled and operated by BMG from its offices within the United States of America. BMG makes no representation that Information is appropriate or available for use in other locations, and access to it from territories where its contents are illegal is prohibited. Those who choose to access the Information from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the Information in violation of U.S. export laws and regulations. Any claim relating to the Information shall be governed by the internal substantive laws of the State of Connecticut.
Links to Other Information and Sites
Any third-party linked sites or third-party information are not under the control of BMG, and BMG is not responsible for the content of any linked site, any link contained in a linked site or any information contained therein. BMG reserves the right to terminate any link at any time. BMG does not endorse companies, products, or services to which it links and reserves the right to note as such on its web pages. If you decide to access any of the third-party sites linked to this website, you do so entirely at your own risk. This website contains links to external, third party web sites along with relevant commentary to provide our visitors with information and content they are looking for. By providing links to other sites, BMG does not guarantee, approve, or endorse the services or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to the BMG website. You assume complete responsibility and risk in your use of any external sites. You should direct any concerns regarding any external link to its site administrator.
Limitation of Liability
YOUR USE OF OUR WEBSITE IS ENTIRELY AT YOUR OWN RISK. BMG WILL NOT BE RESPONSIBLE TO YOU OR TO ANY THIRD PARTIES FOR ANY DIRECT OR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR LOSSES OR INJURY YOU MAY INCUR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE WEBSITE OR THE SERVICES AND/OR PRODUCTS, OR YOUR RELIANCE ON OR USE OF THE WEBSITE, THE INFORMATION, PRODUCTS OR SERVICES PROVIDED, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETIONS OR ANY FAILURE OF PERFORMANCE, OR ANY OF THE DATA OR OTHER MATERIALS TRANSMITTED THROUGH OR RESIDING ON OUR WEBSITE, REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION, EVEN IF WE HAVE ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS.
Release
YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE BMG AND ITS AFFILLIATES, PARTNERS, SERVICE PROVIDERS, CLIENTS, VENDORS, AND CONTRCTORS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE.
Indemnification
You agree to defend, indemnify, and hold us, our officers, directors, employees, volunteers, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from or alleged to result from, your use of and access to the website or your violation of these Terms or your violation of any third party right, including without limitation any trademark, copyright or other proprietary or privacy right.
Statute Of Limitations.
YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF RELATED TO USE OF THE SERVICE OR THE AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.
Disclaimer
THE INFORMATION FOUND ON THIS WEBSITE IS PROVIDED “AS IS” WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY OR FITNESS FOR ANY PARTICULAR PURPOSE. IN NO EVENT SHALL BMG OR ITS OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, AGENTS OR REPRESENTATIVES BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF THE USE OF OR INABILITY TO USE THE INFORMATION, EVEN IF BMG OR SUCH THIRD PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BMG DISCLAIMS ANY AND ALL DUTY OR INTENTION TO UPDATE THE INFORMATION. BMG DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THE INFORMATION, THE WEBSITE OR ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MATERIAL. IF YOUR USE OF THE WEBSITE OR THE SITE’S MATERIAL RESULTS IN ANY COSTS OR EXPENSES, INCLUDING, WITHOUT LIMITATION, THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, BMG SHALL NOT BE RESPONSIBLE FOR THOSE COSTS OR EXPENSES.
Assignment
These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you.
General
BMG may revise these terms at any time by updating this web page. You should visit this web site from time to time to review the then-current terms because they are binding on you. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages of this web site.
Governing Law and Venue
These Terms of Use, the Privacy Policy and the use of this website shall be governed by the laws of the State of Connecticut. User and BMG agree that sole jurisdiction and venue shall be the courts located in Fairfield County, Connecticut.
Contact Information
Barrington Media Group, LLC dba BMG360
4 Armstrong Road
Shelton, CT 06484
legal@bmg360.com
203-225-6161
September 11, 2023