*The Terms & Conditions have recently been updated.
Terms and Conditions
The following terms and conditions govern the use of any SnapNsure site(s). By using such site(s), you agree to each of these terms and conditions. Please read them carefully. If you do not accept these terms and conditions, please do not continue your use of, and/or access to, this or any other site of SnapNsure Insurance Services, LLC (SnapNsure).
SnapNsure Insurance Service’s contents coverage program is underwritten by The Hanover Insurance Group. SnapNsure may also claim trademark, service mark, and/or other proprietary right(s) in or to other names, tag lines, marks, images, symbols, logos and icons contained or displayed in this site. Any unauthorized use of such marks, images, symbols, logos, or icons may violate copyright, trademark, and/or other laws, statutes, codes or regulations.
SnapNsure maintains all copyrights relating to this site. SnapNsure copyrights or has licensed copyrighted works from others. Any copying, reproduction, distribution, modification, reuse, transmission, reposting or other use of the content of this site, or any portion hereof, for any purpose, including without limitation any text, video, audio, or images contained in this site in any form or by any means, electronic or mechanical, without first obtaining written permission from SnapNsure is prohibited. You may request written permission from our Corporate Marketing Department at (855) 762-4767 or by email at firstname.lastname@example.org.
The information contained in this site is for informational purposes only. It is not an offer to sell or a solicitation of an offer to buy any insurance product or security. SnapNsure Insurance Services, LLC, its subsidiaries and affiliates will not sell their products where it is unlawful under the insurance laws or other laws of any jurisdiction.
THIS SITE AND ALL CONTENT CONTAINED HEREIN IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND OR NATURE, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE OR PURPOSE. SNAPNSURE DOES NOT WARRANT OR REPRESENT THAT EITHER THIS SITE OR THE SERVER BY WHICH THE SITE IS MADE AVAILABLE IS OR WILL BE FREE FROM HARMFUL OR DAMAGING COMPONENTS, INCLUDING WITHOUT LIMITATION VIRUSES OR DISABLING DEVICES, NOR DOES SNAPNSURE WARRANT OR MAKE ANY REPRESENTATION CONCERNING THE USE OF MATERIALS ON THIS SITE, OR THE RESULTS OF SUCH USE, WHETHER IN TERMS OF THE RELIABILITY, ACCURACY, OR CORRECTNESS THEREOF, OR OTHERWISE. SNAPNSURE NEITHER REPRESENTS NOR WARRANTS THAT THE USE OF THE MATERIALS DISPLAYED ON THIS SITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED BY OR AFFLILIATED WITH SNAPNSURE. SNAPNSURE DOES NOT WARRANT OR REPRESENT THAT THIS SITE IS OR WILL BE FREE FROM INACCURACY, DEFECT, ERROR OR INTERRUPTION, OR THAT THE FOREGOING, IF ANY, WILL BE CORRECTED.
You agree to defend, indemnify and hold harmless snapnsure, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys’ fees, arising out of the use of this Web Site and/or your use and/or purchase of the Services and/or products of snapnsure.
SnapNsure shall not, under any circumstances, be liable for any damages, claims, losses or expenses, including without limitation any direct, indirect, special, incidental or consequential damages, arising out of or in connection with this site, including without limitation any use of and/or any inability to use this site, for any cause of action of any kind (including tort, contract, negligence or strict liability). The foregoing shall apply even if SnapNsure, or a duly-authorized representative thereof, has been advised of the possibility of such damages, claims, losses or expenses. Applicable law may not allow the limitation or exclusion of liability and/or certain damages, and the aforementioned exclusion(s) and/or limitation(s) may, therefore, not apply to you. However, the total liability of SnapNsure to you for any and all damages, claims, losses or expenses arising out of or in connection with this site shall not, in any event or in any circumstance, exceed the amount paid by you, if any, in order to access this site.
SnapNsure shall not be responsible or liable for any computer virus or other contamination of your system. It is your responsibility, and not the responsibility of SnapNsure, to scan any downloadable materials received over or from the Internet. By using this site, you accept, at your own risk, that the Internet and/or such other on-line medium as may be applicable may not perform as intended, and that transmission of information on-line, over the Internet, or via electronic means may be insecure, unstable and/or unreliable.
By accessing this site you agree that any use of this site and the terms and conditions contained herein will be binding upon each party hereto and its successors and permitted assigns, and governed by and construed in accordance with the laws of the state of California without reference to conﬂict of law principles, and in the event of a dispute the parties agree to the exclusive jurisdiction of the courts located in Irvine, Orange County, California. By accessing this site, you agree to the personal jurisdiction of the state and federal courts sitting in the State of California. By entering into these Terms of Service, you hereby irrevocably waive any right you may have to join claims with those of others in the form of a class action or similar procedural device. Any claim arising out of, relating to or connected with these Terms and Conditions or your use of any services or products of SnapNsure must be asserted individually. Notwithstanding anything to the contrary in this section, we may seek equitable relief, including, without limitation, injunctive relief and speciﬁc performance, without the requirement of posting a bond or other security or proving money damages are insufﬁcient, from a court of competent jurisdiction.
In the event that any provision of these terms and conditions should be determined to be invalid, unenforceable or unlawful, for any reason, the invalid, unenforceable or unlawful provision shall be severable from the provisions remaining, and the provisions not held to be invalid, unenforceable or unlawful shall remain in full force and effect.
Any dispute with respect to this site shall be fully and finally settled by arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association, and judgement upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Venue for the arbitration shall be in Orange California. Links to external sites may be provided as a convenience to visitors to The SnapNsure site. SnapNsure does not vouch for, warrant, or assure the accuracy, availability, or suitability of any external sites. SnapNsure shall not be directly or indirectly liable or responsible in any manner for any loss or damage caused, or allegedly caused, by or in connection with any external site connected by a link to The SnapNsure site, including without limitation any such site’s use of information and/or terms thereof. A link to any external site does not constitute endorsement of, adoption of, or agreement with the views, products and/or services offered on such sites.
In the event that you purchase products from SnapNsure or a third party, that purchase shall be governed and controlled by the terms and conditions of the agreement(s) applicable to that transaction. This site does not amend, modify, or supplement such agreement(s).
SnapNsure may, at any time and at SnapNsure’s sole discretion, change or modify this site, including without limitation its content and availability, without notice. There is no commitment on the part of SnapNsure to update the information contained herein. SnapNsure may also change or modify these terms and conditions, and in the event that SnapNsure should do so, your use of this site following such change or modification shall constitute your agreement to changed or modified terms and conditions.
The content of this site, including any online calculators and any links to other sites, is provided for general informational purposes only and is not intended to supply professional advice of any type, including without limitation any tax, financial, accounting or legal advice. If you have a question that requires such advice, you should consult a qualified professional for a personal consultation.
We may suspend or terminate your use of the Web Site if we believe, in our sole and absolute discretion, that you have breached a term of these Terms and Conditions.
Should any part of these Terms and Conditions be held invalid or unenforceable, that portion will be construed consistent with applicable law and the remaining portions will remain in full force and effect. Our failure to enforce any provision of these Terms and Conditions will not be considered a waiver of the right to enforce such provision. These terms (including all of the policies and other agreements and terms described, which are hereby incorporated by reference) contain the entire understanding of the parties regarding its subject matter and supersedes all prior and contemporaneous agreements and understandings between the parties regarding its subject matter.
These terms will not be assignable or transferable by you without the prior written consent of SnapNsure. This is the entire agreement between you and us relating to the subject matter herein and will not be modified except in writing signed by both parties. Moreover, SnapNsure reserves to the right to refuse to sell and/or provide insurance based upon its determination of risk and associated factors. Additionally, SnapNsure reserves the right to require a sworn proof of loss or other verified documentation of contents for all claims in excess of $10,000.00 based on burglary of a unit. SnapNsure will also provide insurance only to facilities that are deemed to be a “secure self-storage facility” which is defined as a fully enclosed or gated facility with monitored on-site security and video surveillance.
For all policies with coverage amounts in excess of $10,000.00, the customer is required to provide sworn verification of contents PRIOR to any loss to ensure coverage in the full policy amount in the event of a loss. This proof of contents can be provided either by providing true and correct copies of receipts and/or pictures of the items being stored to the photo archive which evidence will be accepted at the sole discretion of SnapNsure. Failure to provide this required verification of contents will void the coverage provided by the policy for all burglary/theft claims in its entirety.
Any comments or materials sent to us regarding any contents found on this website, including, without limitation, feedback data, ideas, graphics, questions, comments or suggestions (collectively “Feedback”), will not be treated as confidential (unless otherwise specified by our Privacy Statement) and will become our exclusive property. We have no obligation of any kind with respect to such Feedback and will be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback.
SnapNsure accepts online payment of your premium via credit card. By making a credit card payment, you are agreeing to accept these terms and conditions and perhaps additional terms required by the card processor or bank. By entering your credit card information, you are confirming that you are authorized to use the card and that all information is accurate. By making a payment, you are authorizing SnapNsure or its designee to charge the amount requested to your credit card.
Additionally, by making this payment, you are also authorizing SnapNsure or its designee to return any funds due to you directly to your credit card to resolve any overpayment or refund. In addition to any charges you have authorized to SnapNsure, your credit card issuer may additionally assess any transaction charges associated with your card. In the event your issuer declines or reverses any payment you make to SnapNsure, you agree to pay a reasonable service charge to SnapNsure and reimburse SnapNsure for all reasonable collection costs. In the event that you have purchased a policy with a month to month term and your monthly renewal payment is denied by your credit card issuer or bank, SnapNsure reserves the right to place your policy in an “on hold” status and provide no coverage under the policy until such time that the premium has been paid in full. If a loss occurs while the policy is in this “on hold” status, SnapNsure will provide and you acknowledge that there will be no coverage under this policy for any and all claims.
Additionally by using your credit card to make a payment, you warrant and represent that 1) you are 18 years of age or over; 2) you have the appropriate authority to validly accept the Online Payment Terms and are able to and will meet your obligations in relation to these Terms; 3) that the credit card used is issued in your name or you are authorized to use the credit card; 4) you will pay the credit card issuer all charges incurred; and 5) that the information supplied by you is true and correct. Moreover, by using SnapNsure’s online credit card facilities you accept and consent to your personal data being provided to the Service Provider for sole purpose of offering and administering the online payment. We respect the privacy of every individual who visits our site. SnapNsure’s Terms and Conditions for online credit card payments are subject to change at any time. Each transaction shall be subject to the specific Terms and Conditions that were in place at the time of the transaction. By agreeing to these Terms and Conditions, you agree that all policies will automatically renew and that your credit card/payment method will be automatically billed upon the renewal date unless you cancel the policy by providing written notice to SnapNsure of your intent to cancel your policy. If you cancel your policy within 24 hours of the renewal date, you will receive a 90% refund of the premium. No refunds will be issued for any cancellations that occur after 24 hours of the renewal date and all such sales are final. You further acknowledge and agree that each policy is for a single unit and that each such policy will not provide insurance coverage for any additional unit(s) you may be responsible for.
By using the Site, you agree to the collection and use of information in accordance with this policy. While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to your name (“Personal Information”). Like many site operators, we collect information that your browser sends whenever you visit our Site (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. SnapNsure will store all the personal information you provide on its secure servers.
SnapNsure may use your personal information to:
SnapNsure may collect and use the following kinds of personal information:
In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, SnapNsure may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights. SnapNsure will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.
All Transactions are final. By agreeing to these Terms and Condition, you acknowledge and agree that no refunds will be made for any premiums paid which premiums are considered earned when the services and/or products are purchased except as noted herein. Please therefore make sure you read these Terms and Conditions carefully.