Terms of Use

Terms of Use
Effective date: October 1, 2015

Your Acceptance

Welcome to the Terms of Service for Sure, Inc.’s website and its mobile application ("app"). This is an agreement ("Agreement") between, Sure, Inc. ("Sure" "us," "our," or "we"), and you, a user of our website or app or another of our services. By clicking agree or by accessing our website or using any of Sure’s services, you agree to be bound by this Agreement and Sure’s Privacy Policy.

PLEASE READ THE TERMS OF SERVICE CAREFULLY BEFORE USING THE APP OR THE WEBSITE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE SURE’S APP OR OUR WEBSITE.

Users of our app and our website must be 18 or above. If you are under the age of 18 please stop using our Site and Service immediately.

Description of Service

Sure offers users a simple way to purchase episodic insurance policies covering daily activities from one or more of our Insurance Partners. (our "Services.") We offer Services through a Sure mobile application (our "App") and our website ("Site.")

Sure Accounts

To use our services, you are required to create a unique profile called a "Sure Account". Account registration requires you to submit certain personal information, as is further described in and governed by our Privacy Policy. You agree to submit accurate, up-to-date, complete, and truthful information when creating a Sure Account. We have the final discretion in granting accounts and reserve the right to reject users without explanation. You are responsible for all activity that occurs under your account, and you agree to maintain the security and secrecy of the username and password assigned to your Sure Account. You may only possess one Sure Account.

When creating a Sure Account, you will be asked to designate a preferred payment method. Sure does not collect or retain payment card information.

End User License Agreement

The use of the Sure Mobile Application (the "App") is governed by the following end user license agreement. By downloading and using the mobile app, you acknowledge that this end user license agreement is between you and Sure, not Apple, and that Sure, not Apple, is solely responsible for the App.

Scope of License: Subject to these Terms of Service, Sure grants you a non-transferrable, non-exclusive license to use the Sure App for your personal use. Also subject to these Terms of Use, Sure grants you a non-transferrable, non-exclusive license to use a copy of the App downloaded solely in connection with the other Sure Services to your iPhone, iPad, or iPod Touch.

Certain Restrictions: The rights granted to you by these Terms of Service are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit any Sure Service or the App; (b) you shall not modify, translate, adapt, merge, make derivative works of, disassemble, decompile, reverse compile or reverse engineer any part of the Sure Services or the App, except to the extent the foregoing restrictions are expressly prohibited by applicable law; (c) you shall not access the Sure Services or the App in order to build a similar or competitive service or application; (d) except as expressly stated herein, no part of the Sure Services or the App may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, or (e) you shall not remove or destroy any copyright notices or other proprietary markings contained on or in any App. Any future release, update, or other addition to functionality of the Sure Services or the App shall be subject to these Terms of Use, unless otherwise provided in terms associated with such addition.

Modification: Sure reserves the right, at any time, to modify, suspend, or discontinue the Sure Services or the App or any part thereof with or without notice. In the future we may offer additional services, features, functionalities and in-app purchases. You agree that Sure will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Sure Services or the App or any part thereof.

Ownership: The App provided to you is licensed to you and not sold. Sure (and its licensors, where applicable) own all right, title and interest, including all related intellectual property rights, in and to the Sure Services and the App. These Terms of Service are not a sale and they do not convey to you any rights of ownership in or related to the App. The Sure name, logo, and the product names associated with the Sure Service belong to Sure, Inc. (or its licensors, where applicable), and no right or license is granted to use them by implication, estoppel or otherwise. Sure (and its licensors, where applicable) reserve all rights not granted in this Agreement.

Third Party Services and Content

Sure’s Services may be made available or accessed in connection with third party services and content (including advertising) that Sure does not control. You acknowledge that different terms of use or service, and different privacy policies may apply to your use of such third party services and content.

Use of Sure

When using Sure, you are responsible for your use of the app or website, and for any use of Sure made using your account. You agree not to access, copy, or otherwise use Sure, including our intellectual property and trademarks, except as authorized by these Terms of Service or as otherwise authorized in writing by Sure. You agree not to use Sure to:

If you are discovered to be undertaking any of the aforementioned actions your privileges to use our App, Site, or Services may at our discretion be terminated or suspended.

Payment

You understand and agree that use of Sure’s Services may result in charges to you for insurance products or coverage you receive from third party insurance providers ("Insurance Partners"). Sure will facilitate your payment of fees, premiums, and/or taxes on behalf of the Insurance Partner, as such Insurance Partners limited payment collection agent. All charges shall be inclusive or applicable taxes as required by law. All charges are final and non-refundable.

Payment of our Insurance Partners fees and premiums are due immediately and payment will be facilitated by Sure using the preferred payment method designated in your Sure Account, after which Sure will send you a receipt via email.

Software and Site Availability

We do not guarantee that the App or Site will always be available, work, or be accessible at any particular time. Only users who are eligible to use our App may do so. We reserve the right to terminate access for anyone. We cannot guarantee that the App will work as advertised, or that it will give you the desired results.

Taxes

You agree that you are responsible for all taxes and fees associated with your use of the App and Service. Although we may deduct nexus taxes or other taxes, you agree that if we do not, you will pay any associated taxes, levies, or fees.

Compliance With All Laws and Regulations

Sure is not responsible for your violation of any laws while using our Site and Service. Users must comply with all local, state, or federal laws regarding your use of our Site and Service. Our App and Service are void where prohibited.

Intellectual Property Rights

The design of the App and Site, along with Sure created text, templates, scripts, graphics, interactive features and the trademarks, service marks and logos contained therein ("Marks"), are owned by or licensed to Sure, subject to copyright and other intellectual property rights under United States and foreign laws and international conventions. Sure reserves all rights not expressly granted in and to the Service and the Site. You agree to not engage in the use, copying, or distribution anything contained within the Site or Service unless we have given express written permission.

Representations and Warranties

OUR APP, SITE AND/OR SERVICE ARE OFFERED "AS-IS", INCLUDING ANY ERRORS, BUGS OR OTHER TECHNICAL ISSUES. YOU AGREE THAT WHILE USING OUR APP, SITE, OR SERVICE, YOUR RESULTS MAY VARY AND YOU MAY NOT ACHIEVE ANY DESIRED RESULTS. WE EXPRESSLY DISCLAIM ALL WARRANTIES EITHER EXPRESS OR IMPLIED. OUR SITE, SOFTWARE, OR SERVICE MAY NOT BE FIT FOR A PARTICULAR PURPOSE AND MAY NOT WORK OR BE APPLICABLE WHERE YOU RESIDE. WE MAKE NO REPRESENTATIONS OR WARRANTIES AS TO THE REASONABLE SKILL AND CARE INVESTED IN OUR SERVICE, SATISFACTORY QUALITY OF OUR SERVICE, MERCHANTABILITY OF OUR SERVICE OR THAT OUR SERVICE IS NON-INFRINGING. FURTHERMORE, WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR SERVICE WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE, THAT THE SITE OR SERVICE WILL OPERATE ERROR FREE OR IN AN UNINTERRUPTED FASHION, THAT ANY DEFECTS OR ERRORS IN THE SITE OR SERVICE WILL BE CORRECTED, OR THAT THE SITE OR SERVICE IS COMPATIBLE WITH ANY PARTICULAR PLATFORM. SURE IS NOT OBLIGATED TO PROVIDE YOU ACCESS TO OUR SITE AND SERVICE. IN THE EVENT OF ANY PROBLEM WITH THE SITE OR SERVICE, YOU AGREE THAT YOUR SOLE REMEDY IS TO CEASE USING THE SITE OR SERVICE.

Limitation of Liability

IN NO EVENT SHALL SURE ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM (I) YOUR USE OR INABILITY TO USE THE APP, WEBSITE OR OUR SERVICES ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) ANY PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SITE OR SERVICE, (III) ANY INTERRUPTION, MISINFORMATION, INCOMPLETE INFORMATION, OR CESSATION OF TRANSMISSION TO OR FROM OUR SOFTWARE TO YOU, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SITE BY ANY THIRD PARTY, (V) ANY FAILURE OF ANY THIRD PARTY INFORMATION LISTED ON OUR SITE AND SERVICE, INCLUDING ANY FAILURES OR DISRUPTIONS WHETHER INTENTIONAL OR UNINTENTIONAL OR (VI) ANY ERRORS OR OMISSIONS IN OUR SITE OR SERVICE FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF OUR SITE OR SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION

For Jurisdictions that do not allow us to limit our liability: Notwithstanding any provision of these Terms, if your jurisdiction has provisions specific to waiver or liability that conflict with the above then our liability is limited to the smallest extent possible by law. Specifically, in those jurisdictions not allowed, we do not disclaim liability for: (a) death or personal injury caused by its negligence or that of any of its officers, employees or agents; or (b) fraudulent misrepresentation; or (c) any liability which it is not lawful to exclude either now or in the future.

IF YOU ARE A RESIDENT OF A JURISDICTION THAT REQUIRES A SPECIFIC STATEMENT REGARDING RELEASE THEN THE FOLLOWING APPLIES. FOR EXAMPLE, CALIFORNIA RESIDENTS MUST, AS A CONDITION OF THIS AGREEMENT, WAIVE THE APPLICABILITY OF CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES, "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR." YOU HEREBY WAIVE THIS SECTION OF THE CALIFORNIA CIVIL CODE. YOU HEREBY WAIVE ANY SIMILAR PROVISION IN LAW, REGULATION, OR CODE THAT HAS THE SAME INTENT OR EFFECT AS THE AFOREMENTIONED RELEASE. YOUR ABILITY TO USE OUR SOFTWARE AND SERVICE IS CONTINGENT ON YOUR AGREEMENT WITH THIS AND ALL OTHER SECTIONS OF THIS AGREEMENT. YOU AGREE OUR TOTAL LIABILITY TO YOU IS NOT MORE THAN $100 U.S. DOLLARS OR THE TOTAL AMOUNT YOU SPENT WHILE USING OUR SITE, SOFTWARE, AND SERVICE WITHIN THE LAST SIX MONTHS, WHICHEVER IS GREATER.

Indemnity

You agree to defend, indemnify and hold harmless Sure, its officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

your use of and access to the Sure App, Site and/or Service;
your violation of any term of these Terms of Service;
your violation of any third party right, including without limitation any copyright, property, or privacy right;
or any claim that any of your Content caused damage to a third party.

This defense and indemnification obligation will survive this Agreement and your use of the Sure App, Site, or Service. You also agree that you have a duty to defend us against such claims and we may require you to pay for an attorney(s) of our choice in such cases. You agree that this indemnity extends to requiring you to pay for our reasonable attorneys’ fees, court costs, and disbursements. In the event of a claim such as one described in this paragraph, we may elect to settle with the party/parties making the claim and you shall be liable for the damages as though we had proceeded with a trial.

COPPA Compliance

Sure and its Services may only be used by persons 18 years and older. If you are under 18 please stop using our App and our Site, and do not submit any information to us.

Choice of Law

All matters relating to the App or Site, and these Terms of Service and any dispute or claim arising under or relating to the App, Site or these Terms of Service, shall be governed by and construed in accordance with the internal laws of the state of California, U.S.A. without giving effect to any choice of law provision of rule (whether of the state of New York or any other jurisdiction.)

Form of Dispute

Any dispute relating in any way to your use of the App, Site, or Services, or your purchase of insurance through Sure shall be submitted to confidential arbitration in California, U.S.A, except that to the extent you have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in any state or federal court having jurisdiction. You hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in the state and federal courts of California. Arbitration under these Terms of Use shall be conducted pursuant to the Commercial Arbitration Rules then prevailing at the American Arbitration Association. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under these Terms of Use shall be joined to an arbitration involving any other party subject to these Terms of Use, whether through class action proceedings or otherwise. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of, related to or connected with the use of the Sure App, Site, or Services or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever banned. No right or remedy of ours shall be exclusive of any other, whether at law or in equity, including without limitation damages injunctive relief, attorneys' fees and expenses. No instance of waiver by us of our rights or remedies under these Terms of Service shall imply any obligation to grant any similar, future or other waiver.

Force Majeure

You agree that Sure is not responsible to you for anything that we may otherwise be responsible for, if it is the result of events beyond our control, including, but not limited to, acts of God, war, insurrection, riots, terrorism, crime, labor shortages (including lawful and unlawful strikes), embargoes, postal disruption, communication disruption, failure or shortage of infrastructure, shortage of materials, or any other event beyond our control.

Severability

In the event that a provision of this Agreement is found to be unlawful, conflicting with another provision of the Agreement, or otherwise unenforceable, the Agreement will remain in force as though it had been entered into without that unenforceable provision being included in it. If two or more provisions of this Agreement are deemed to conflict with each other’s operation, Sure shall have the sole right to elect which provision remains in force.

Non-Waiver

We reserve all rights permitted to us under this Agreement as well as under the provisions of any applicable law. Our non-enforcement of any particular provision or provisions of this Agreement or any applicable law should not be construed as our waiver of the right to enforce that same provision under the same or different circumstances at any time in the future.

Termination of Service

We may terminate or suspend your Sure Account, or our App, Site, and/or Service without notice, though we will strive to provide a timely explanation in most cases. Please be aware that if we terminate service, you may be entitled to a refund if applicable. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Assignment

You may not assign your rights and/or obligations under this Agreement to any other party without our prior written consent. We may assign our rights and/or obligations under this Agreement to any other party at our discretion.

Amendments

We may amend this Agreement from time to time. When we amend this Agreement, we will update this page and indicate the date that it was last modified, make an announcement on our homepage or we may email you. You may refuse to agree to the amendments, but if you do, you must immediately cease using our Site and our Service.

Electronic Communications

The communications between you and Sure use electronic means, whether you use our App, or visit the Site, or send Sure e-mails, social media, or other messages, or whether Sure posts notices on the App, Site, or Service or communications with you via e-mail, or social media. For contractual purposes, you (1) consent to receive communications from Sure in an electronic form; (2) agree that all terms, conditions, agreements, notices, disclosures, and other communications that Sure provides to you electronically satisfy any legal requirement that such communications would satisfy if it were to be in writing. The foregoing does not affect your statutory rights.

California Users and Residents

Pursuant to California Civil Code Section 1789.3, any questions about pricing, complaints, or inquiries about Sure must be addressed to our agent for notice and sent via certified mail to: Sure, Inc., 1460 Broadway, New York, NY 10036. Lastly, California users are also entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.