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) 762-7467 or by email at email@example.com.
deemed necessary or desirable, by posting a change notice or new agreement on this website. Any
modifications become effective immediately upon being posted to the website. Therefore, we
suggest that you re-read this important notice containing our Terms and Conditions and Privacy
Policy from time to time in order that you stay informed as to any such changes. Any use of the
website by you after such notice shall be deemed to constitute acceptance by you of such
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.
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.
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 upon request. 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.