TERMS OF SERVICE
PLEASE READ THE FOLLOWING TERMS AND POLICIES CAREFULLY. WHEN YOU USE THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE POLICIES, TERMS, AND CONDITIONS SET FORTH HEREIN.
I hereby acknowledge that I have read, understood, and agree to be bound by the policies, terms, and conditions set forth in this document.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Simplicity Financial Marketing Holdings Inc. (“Simplicity”) and Insurance Designers of America LLC (“IDA”) reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders at their sole discretion.
ILLEGAL OR ABUSIVE USAGE IS STRICTLY PROHIBITED
You must not abuse, harass, threaten, impersonate, or intimidate other users of Simplicity’s or IDA’s website. You may not use Simplicity’s or IDA’s service for any illegal or unauthorized purpose. International users agree to comply with all local laws (in addition to the laws of the United States and Delaware) regarding online conduct and acceptable content. Should you be found to have engaged in illegal or abusive usage of Simplicity’s or IDA’s website, Simplicity will suspend your account or usage as applicable.
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Simplicity and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Simplicity and is protected by United States and international copyright laws. All software used on this site is the property of Simplicity or its software suppliers and is protected by United States and international copyright laws.
When you visit Simplicity’s or IDA’s website or send e-mails to Simplicity or IDA, you are communicating with Simplicity or IDA electronically. You consent to receive communications from Simplicity or IDA electronically. Simplicity or IDA will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures, or other communications that Simplicity or IDA provide to you electronically satisfy any legal requirement that such communications be in writing.
https://ida-national.com/ or Insurance Designers of America LLC and other Simplicity or IDA graphics, logos, page headers, button icons, scripts, and service names are trademarks, registered trademarks, or trade dress of Simplicity in the United States and/or other countries. Simplicity’s or IDA’s trademarks and trade dress may not be used in connection with any product or service that is not Simplicity’s in any manner that is likely to cause confusion among customers or in any manner that disparages or discredits Simplicity or IDA. All other trademarks not owned by Simplicity that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Simplicity or IDA.
LICENSE AND SITE ACCESS
Simplicity grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with the express written consent of Simplicity. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of Simplicity. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information including, but not limited to, images, text, page layout, or form of Simplicity or IDA without the express written consent of Simplicity. You may not use any meta tags or any other “hidden text” utilizing Simplicity’s or IDA’s name or trademarks without the express written consent of Simplicity. Any unauthorized use terminates the consent or license granted. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of IDA so long as the link does not portray Simplicity or IDA, or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Simplicity or IDA logo or other proprietary graphic or trademark as part of the link without the express written consent of Simplicity.
RISK OF LOSS
All items purchased from Simplicity or IDA are made pursuant to a shipment contract. This means that the risk of loss and title for such items pass to you upon Simplicity’s or IDA’s delivery to the carrier.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
THIS SITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE ARE PROVIDED BY SIMPLICITY ON AN “AS IS” AND “AS AVAILABLE” BASIS, UNLESS OTHERWISE SPECIFIED IN WRITING. SIMPLICITY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE, UNLESS OTHERWISE SPECIFIED IN WRITING. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, SIMPLICITY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SIMPLICITY DOES NOT WARRANT THAT THIS SITE, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE; SIMPLICITY’S SERVERS; OR E-MAIL SENT FROM SIMPLICITY OR IDA ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SIMPLICITY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE), OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS SITE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, UNLESS OTHERWISE SPECIFIED IN WRITING.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
By visiting Simplicity’s or IDA’s website, you agree that the laws of the State of Delaware will govern these Conditions of Use, without regard to principles of conflict of laws, and any dispute of any sort that might arise between you and Simplicity.
Any dispute relating in any way to your visit to Simplicity’s or IDA’s website or to products or services sold or distributed by Simplicity or IDA in which the aggregate total claim for relief sought on behalf of one or more parties exceeds $500.00, shall be adjudicated in any State or Federal Court in Delaware, and you consent to exclusive jurisdiction and venue in such courts.
If you have questions or concerns regarding this statement, you should first contact Simplicity at the email address or postal address specified on the homepage.
INFORMATION COLLECTION AND USE
Simplicity’s or IDA’s primary goals in collecting personally identifiable information is to provide you with the product and services made available through this web site, including, but not limited to, services, to communicate with you, and to manage your registered user account, if you have one.
INFORMATION COLLECTED UPON REGISTRATION
If you desire to have access to certain restricted sections of this web site, you will be required to become a registered user, and to submit certain personally identifiable information to Simplicity or IDA. This happens in a number of instances, such as when you sign up for services or if you desire to receive marketing materials and information. Personally identifiable information that may be collected in such instances may include your IP address, full user name, password, email address, city, time zone, telephone number, and other information that you decide to provide, or that you decide to include in your public profile.
USE OF CONTACT INFORMATION
In addition, Simplicity or IDA may use your contact information to market to you, and provide you with information about products and services. If you decide at any time that you no longer wish to receive such information or communications from Simplicity or IDA, please follow the unsubscribe instructions provided in any of the communications.
When you visit the Site, the website’s servers automatically record information that your browser sends whenever you visit a website as Log Data. This Log Data may include information such as your IP address, browser type or the domain from which you are visiting, the websites you visit, the search terms you use, and any advertisements on which you click. For most users accessing the Internet from an Internet service provider the IP address will be different every time you log on. Log Data is used to monitor the use of the Site and of the Service, and for the Site’s technical administration. Your IP address is not associated with any other personally identifiable information to identify you personally, except in case of violation of the Terms of Service.
COOKIES AND OTHER TECHNOLOGIES
Other technologies used include clear GIF’s and IP address logging. Clear GIF’s also known as web bugs, beacons, or tags, are small graphic images placed on a web page, web-based document, or in an e-mail message. Clear GIF’s are invisible to the user because they are typically very small (only 1-by-1 pixel) and the same color as the background of the web page, document or e-mail message. Clear GIF’s are not used to collect personal information about you. However, clear GIF’s may be used to capture statistical usage information for this site’s web pages, features, or other elements on a web page. This information may be correlated to a user to personalize user experience and for statistical analysis of user experiences on this site’s web pages.
THIRD PARTY SERVICES
Simplicity may engage certain trusted third parties to perform functions and provide services, including, without limitation, hosting and maintenance, customer relationship, database storage and management, and direct marketing campaigns. Simplicity will share your personally identifiable information with these third parties, but only to the extent necessary to perform these functions and provide such services, and only pursuant to binding contractual obligations requiring such third parties to maintain the privacy and security of your data.
Simplicity cooperates with government and law enforcement officials or private parties to enforce and comply with the law. Simplicity may disclose any information about you to government or law enforcement officials or private parties as Simplicity, in its sole discretion, believes necessary or appropriate to respond to claims, legal process (including subpoenas), to protect the property and rights of Simplicity, IDA, or a third party, the safety of the public, or any person, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.