Mobile Terms and Conditions


PROGRAM NAME: insurance4.me

FREQUENCY OF ALERTS: Message Frequency Varies
PRICING: As always, message and data rates may apply for any messages sent to you from us and to us from you and the message frequency may vary per user.
 
PROGRAM DESCRIPTION.
By signing up on our website you’ll get a confirmation text, with a description of how to use our SMS services. The following keywords are for both confirm OPT-IN or OPT-OUT if you decide to stop at any given moment:
 
USER OPT-IN:
By signing up you agree to receive marketing text messages. We do not use an automatic telephone dialing system to generate, store, or deliver our text messages. Consent is not required to purchase goods or services.
 
USER OPT-OUT:
You can cancel the SMS service at any time. Just text “STOP” to . When we receive a “STOP” message, we will send one last confirmation SMS to confirm the subscription status post which no more SMS messages will be sent.
 
For more information, just text “HELP” to . When we receive a “HELP” message, we will provide instructions on how to use this service and how to unsubscribe.
 
HELP:
To get help, you can email us or send letters:
support@insurance4.me
7901 4th St N STE 300 St Petersburg, FL 33702
407 768 4793
 
USER FEES:
This is a standard-rated, non-premium service.
As always, message and data rates may apply for any messages sent to you from us and to us from you and the message frequency may vary per user.
 
LIST OF PARTICIPATING CARRIERS (U.S. only):
AT&T, Sprint, T-Mobile®, Verizon Wireless, Virgin Mobile USA, U.S. Cellular®, Metro PCS, ACS Wireless, All West Wireless, Bluegrass, Boost USA, Cambridge Telecom, Cellcom, Cellular South, Centennial, Cincinnati Bell, Cricket Communications, Cellular One of East Central Illinois, Appalachian Wireless, Farmer’s Mutual Telephone Company, General Communications, Golden State Cellular, PC Management, Inland Cellular, Illinois Valley Cellular, Nex-Tech Wireless, Nucla-Naturita, nTelos, Revol, Silver Star PCS (Gold Star), Snake River PCS, South Central, Syringa, Thumb Cellular, UBET Wireless, Unicel, United Wireless, and West Central Wireless.
*T-Mobile is not liable for delayed or undelivered messages
 
WARRANTY:
We will not be liable for any delays in the receipt of any SMS messages connected with this program. Delivery of SMS messages is subject to effective transmission from your wireless service provider/network operator.R
Privacy Policy
Last Updated September 30th, 2021
We respect your privacy. We will only use the information you provide to transmit your text message. We reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with the Service, you agree to provide accurate, complete, and true information. You agree not to use a false or misleading name or a name that you are not authorized to use. If we, in our sole discretion, believe that any such information is untrue, inaccurate, or incomplete, we may refuse you access to the Service and pursue any appropriate legal remedies.
 
DISPUTE RESOLUTION:
In the event that there is a dispute, claim or controversy between you and Us, or between you and any third-party service provider acting on Our behalf to transmit the mobile messages within the scope of the Program, arising out of or relating to federal or state statutory claims, common law claims, these Terms, Our Privacy Policy, or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, such dispute, claim or controversy will be determined by arbitration in California before one arbitrator. The arbitration will be administered by JAMS. For claims greater than $250,000, the JAMS Comprehensive Arbitration Rules and Procedures in effect at the time the arbitration is commenced will apply. For claims less than or equal to $250,000, the JAMS Streamlined Arbitration Rules in effect at the time the arbitration is commenced will apply. The arbitrator will apply the substantive law of the State of California, exclusive of its conflict or choice of law rules. Nothing in this paragraph will preclude the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The parties acknowledge that this Agreement evidences a transaction involving interstate commerce. Notwithstanding the provision in this paragraph with respect to applicable substantive law, the Federal Arbitration Act (9 U.S.C. §§ 1-16) will govern any arbitration conducted pursuant to these Terms. Either party may commence arbitration by providing to JAMS and the other party to the dispute a written demand for arbitration, setting forth the subject of the dispute and the relief requested (“Arbitration Demand”).
 
To the fullest extent permitted by law, each of the parties agrees that any proceeding, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to this Agreement or any of the transactions contemplated hereby.
 
The appointed arbitrator may award monetary damages and any other remedies allowed by the state law designated above. In making his or her determination, the arbitrator will not have the authority to modify any term or provision of these Terms. The arbitrator will deliver a reasoned written decision with respect to the dispute (the “Award”) to each party, who will promptly act in accordance the Award. Any Award (including interim or final remedies) may be confirmed or enforced in any court having jurisdiction, including any court having jurisdiction over either party or its assets. The decision of the arbitrator will be final and binding on the parties, and will not be subject to appeal or review.
 
Each party will advance one-half of the fees and expenses of the arbitrator, the costs of the attendance of the court reporter at the arbitration hearing, and the costs of the arbitration facility. In any arbitration arising out of or related to these Terms, the arbitrators will award to the prevailing party, if any, costs and attorneys’ fees reasonably incurred by the prevailing party in connection with that aspect of its claims or defenses on which it prevails, and any opposing awards of costs and attorneys’ fees awards will be offset. The parties will maintain the confidential nature of the arbitration proceeding, the hearing and the Award, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, or confirmation of an Award or its enforcement, or unless otherwise required by any applicable law.
 
Any documentary or other evidence produced in any arbitration hereunder will be treated as confidential by the parties, witnesses and arbitrators, and will not be disclosed to any third person (other than witnesses or experts), except as required by any applicable law or except if such evidence was obtained from the public domain or is otherwise obtained independently of the arbitration.
 
MISCELLANEOUS:
You warrant and represent to Us that you have all necessary rights, power, and authority to agree to these Terms and perform your obligations hereunder, and nothing contained in this Agreement or in the performance of such obligations will place you in breach of any other contract or obligation. The failure of either party to exercise in any respect any right provided for herein will not be deemed a waiver of any further rights hereunder. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect and enforceable. Any new features, changes, updates or improvements of the Program shall be subject to these Terms unless explicitly stated otherwise in writing. We reserves the right to change these Terms from time to time. Any updates to these Terms shall be communicated to you. You acknowledge your responsibility to review these Terms from time to time and to be aware of any such changes. By continuing to participate in the Program after any such changes, you accept these Terms, as modified.
Terms of Use
Last Updated September 30th, 2021

Welcome to insurance4.me. insurance4.me requires that you carefully read, understand, and agree to the following Terms and Conditions contained in this Terms of Use Agreement (“Agreement”). By accessing, browsing, or using this website, or any page thereof or services offered, (collectively, “Website”) through any or in means, you accept and agree to be bound by these Terms of Use and insurance4.me‘s Privacy Policy (the “Privacy Policy”), which is incorporated herein by reference. Together, the Terms of Use and Privacy Policy constitute a legally binding agreement by and between you and insurance4.me concerning your use of the Website. For purposes of this Agreement, the terms “You” or “Your” means the person(s) using the Website. If You do not agree to these Terms of Use and the Privacy Policy, you are not authorized to access or use the Website and You are to cease accessing or otherwise using the Website.
 
NOT A GOVERNMENT AGENCY:
insurance4.me (insurance4.me) is a privately held for-profit entity. insurance4.me has no affiliation or relationship (financial or otherwise) with any political party, government agency, or any other outside group or persons. We pay our operating costs through our advertising revenue. Furthermore, insurance4.me is not affiliated with or endorsed by the U.S. Department of Education. We urge you not to pay for any products that you can get for free elsewhere.
 
RELATIONSHIP AND OBLIGATION REGARDING PRIVATE AGENCIES:
Please be advised that prices and terms may vary between financial agencies and that the cost and resources of the requester are not within the control of insurance4.me. You acknowledge and agree that any agreement, policy, and/or any type of contract (“Contract”) for financial help is entered into ly between You and the financial agency. You expressly acknowledged that insurance4.me is not a party to any contract between You and any financial agency and that insurance4.me, was not, is not, and will not, be involved in any negotiations or any other such dealings that may relate to any Contract between You and the financial agency. You acknowledge and agree that any rights, obligations, enforcement, and performance of any contract between You and the financial agency are the sole responsibilities of You and the financial agency.
 
LICENSE:
Subject to Your compliance with the Terms of Use made available on the Website, insurance4.me grants to You a non-exclusive, non-sublicensable, revocable, non-transferable license to use the Website for Your personal and non-commercial use. You expressly acknowledge and agree that the Website and/or any portion of the Website, may not be reproduced, duplicated, copied, modified, sold, resold, or distributed. Except as expressly set forth herein, the Terms of Use does not and shall not grant any rights in or to the intellectual property of insurance4.me. If You breach any provision of the Terms of Use, Your rights under this section will immediately terminate.
 
CONSENT TO COMMUNICATION:
By entering Your personal information into this Website or by completing a request through this Website, You acknowledge that You are expressly granting Your consent to receive communications regarding offers and/or products that insurance4.me reasonably believe may be of interest to You and authorize insurance4.me to contact You by phone, text, and email (even if Your telephone number is listed on any internal, state or federal Do-Not-Call registry list ) and acknowledge that this communication may be delivered by use of an automated telephone dialer or other automated telephone dialing system and may contain an artificial or prerecorded message. You may opt-out of receiving such communications at any time by texting “STOP” to any SMS message from us. Consent to such communication is not a condition of purchase.
 
THIRD-PARTY WEBSITES:
The Website may be linked with the websites of third parties (“Third-Party Websites”) insurance4.me does not have control over the content and performance of Third-Party Websites. insurance4.me hereby states that insurance4.me HAS NOT REVIEWED, AND CANNOT REVIEW OR CONTROL, THE MATERIAL, GOODS OR SERVICES, MADE AVAILABLE ON OR THROUGH THIRD-PARTY WEBSITES. ACCORDINGLY, insurance4.me DOES NOT REPRESENT, WARRANT OR ENDORSE ANY THIRD-PARTY WEBSITE, OR THE ACCURACY, CURRENCY, CONTENT, FITNESS, LAWFULNESS OR QUALITY OF THE INFORMATION MATERIAL, GOODS OR SERVICES AVAILABLE THROUGH THIRD-PARTY WEBSITES. insurance4.me DISCLAIMS, AND YOU AGREE TO ASSUME, ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES OR OTHER HARM, TO YOU AND/OR ANY THIRD PARTIES, RESULTING FROM YOUR USE OF THIRD-PARTY WEBSITES.
 
REPRESENTATIONS AND WARRANTIES:
You represent and warrant that (i) You are at least 18 years of age; (ii) You are authorized to enter into this legally binding agreement; (iii) You will not use this Website for any purpose or manner that violates any laws and/or regulations, or that infringes the rights of insurance4.me or any third party; (iv) that all information that You provide in connection with this Website (e.g. name, e-mail address, phone number, social security number, and/or other information) is true and accurate and will not violate any laws, regulations or infringe the rights of insurance4.me or any third party; and (v) You are authorized and able to fulfill and perform the obligations and meet the conditions specified herein.
 
WARRANTY DISCLAIMERS:
insurance4.me DOES NOT WARRANT, GUARANTEE OR MAKE REPRESENTATIONS REGARDING YOUR USE, OR THE ULTIMATE OUTCOME OF YOUR USE OF THIS WEBSITE, IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, INTENDED PURPOSE, QUALITY, FUNCTIONALITY, OR OTHERWISE. THIS WEBSITE AND MATERIALS CONTAINED HEREIN ARE PROVIDED TO YOU “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY OUT OF COURSE OF DEALING, USAGE OR TRADE. LIKEWISE, insurance4.me DOES NOT WARRANT, GUARANTEE OR MAKE REPRESENTATIONS REGARDING THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, SAFETY OR LEGALITY OF THE REQUESTED OR OFFERED FINANCIAL HELP, THE ABILITY OF FINANCIAL AGENCIES TO DELIVER FINANCIAL HELP, YOUR ABILITY TO OBTAIN FINANCIAL HELP.
 
MODIFICATIONS:
insurance4.me reserves the right at any time to modify, alter and/or discontinue, whether temporarily or permanently, the Website, or any part thereof, with or without prior notice. insurance4.me shall not be held liable to You or any third party for any such alteration, modification, suspension, and/or discontinuance of the Website, or any part thereof.
 
PROHIBITED USES:
We impose certain restrictions on the use of the Website. You represent and warrant that You will not:
(a) violate or attempt to violate any security features of the Website or Services;
(b) copy or otherwise duplicate, ly or inly, any portion of the Website, including without limitation, all designs, information, photographs, images, drawings, videos, music, text, typefaces, graphics, products, code, and other files, and the selection, arrangement and organization thereof (collectively, “Content”); (c) distribute, display, modify, transmit, resell, reuse, or repost Content in any electronic form, including any online service, the Internet or any other telecommunications medium which now exists or shall exist in the future, for any purpose, without the prior written consent of insurance4.me ;
(d) impersonate, or otherwise misrepresent affiliation, connection or association with, any person or entity;
(e) use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars, or intelligent agents) to harvest or otherwise collect information from the Website for any use, including without limitation use on third-party websites;
(f) access content or data not intended for You, or log onto a server or account that You are not authorized to access; (g) attempt to probe, scan, or test the vulnerability of the Services, the Website, or any associated system or network, or breach security or authentication measures without proper authorization;
(h) interfere or attempt to interfere with the use of the Website by any other person, host, or network, including, without limitation by means of submitting a virus, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing” or (i) attempt to modify, reverse-engineer, decompile, disassemble or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by this Website.
Any violation of this section may subject you to civil and/or criminal liability.
 
LIMITATION OF LIABILITY:
TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT WILL insurance4.me, ITS AFFILIATES, BUSINESS PARTNERS, LICENSORS OR SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY IN, RELIANCE, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO FIFTY DOLLARS (USD 50.00). YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE USE OF THE WEBSITE OR THE TERMS OF THIS AGREEMENT MUST BE FILED WITHIN ONE YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED. YOU AGREE THAT THIS LIMITATION OF LIABILITY REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU AND ACKNOWLEDGE THE WEBSITE WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.
 
INDEMNIFICATION:
As a condition of use of the Website and without limiting any indemnification provision of this Agreement, You agree to defend, indemnify and hold harmless insurance4.me its officers, ors, employees, agents, affiliates, representatives, sub-licensees, successors, and assigns (collectively, the “Indemnified Parties”) from and against any and all claims, actions, demands, causes of action and other proceedings (collectively, “Claims”), including but not limited to legal costs and attorneys’ fees, arising out of or resulting from Your use of the Website, including without limitation any claims alleging facts that if true would constitute a breach by You of this Agreement. The Indemnified Parties will have the right, but not the obligation, to participate through counsel of their choice in any defense by You of any Claim as to which You are required to defend, indemnify or hold harmless the Indemnified Parties. You may not settle any Claim without the prior written consent of the concerned Indemnified Parties.
 
GOVERNING LAW:
The Website and these Terms of Use will be construed, enforced, and governed in accordance with the laws of the State of California, without regard to any conflict of law principles. The state or federal courts in Los Angeles County, California will have exclusive jurisdiction and venue over all controversies in connection with this agreement, and You hereby consent to such exclusive and personal jurisdiction and venue. Any claim You may have against insurance4.me must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. You agree to waive any right to a jury trial in connection with any action or litigation in any way arising out of or related to the Website and/or these Terms of Use and that each party has the right to seek attorneys’ fees in any proceeding.
 
NOTICES:
All notices required or permitted to be given under this Agreement must be in writing. insurance4.me shall give any notice to You by email sent to Your most recent email address, if any, which was provided by You. You agree that any notice received from us electronically satisfies any legal requirement that such notice is in writing. YOU BEAR THE SOLE RESPONSIBILITY OF ENSURING THAT YOUR EMAIL ADDRESS ON FILE WITH US IS ACCURATE AND CURRENT, AND NOTICE TO YOU SHALL BE DEEMED EFFECTIVE UPON THE SENDING BY US OF AN EMAIL TO THAT ADDRESS. You shall give any notice to us by means of email to info@insurance4.me Notice to us shall be effective upon receipt.
 
SEVERABILITY:
If any provision of these Terms of Use shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, these Terms of Use as a whole shall not be deemed unlawful, void or unenforceable, but only that provision of these Terms of Use that is adjudged to be unlawful, void or unenforceable shall be limited or eliminated from these Terms of Use. All remaining provisions shall remain in full force and effect.
 
MISCELLANEOUS:
The headings contained herein are for convenience of reference only and shall not limit or otherwise affect in any way the meaning or interpretation of these Terms of Use.
 
ENTIRE AGREEMENT:
these Terms of Use and insurance4.me’s Privacy Policy, which is hereby incorporated by reference as if set forth fully herein, represent the entire agreement between You and insurance4.me with respect to the subject matter herein and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written.