Please read these Terms carefully. By using InsuranceAssist or signing up for an account, you're agreeing to these Terms. This is a legal agreement.
InsuranceAssist is owned and operated by "Now Solutions Integration Group Inc." ( “NSG” or "we" or "us" or “our”). NSG has employees, independent contractors, and representatives ("our Team"). As a customer of the Service or a representative of an entity that's a customer of the Service, you're a "Member" according to this agreement (or "you").
InsuranceAssist is an integrated web service offered through our Websites and Telephony servers that aids customers, brokers, MGAs and insurance companies with their business process management and the completion of detailed applications and forms while improving compliance and quality of service.
These Terms of Use ("Terms," including our Privacy Policy, define the terms and conditions under which you're allowed to use InsuranceAssist. and how we'll treat your account while you're a Member. If you have any questions about our terms, feel free to contact us.
In order to use InsuranceAssist., you must:
By accepting the Terms of InsuranceAssist, you represent and warrant that you meet all the requirements listed above, and that you won't use InsuranceAssist in a way that violates any laws or regulations.
NSG may refuse service, suspend or close accounts of any users, and change eligibility requirements at any time.
The Term begins when you sign up for InsuranceAssist and continues as long as you use the Service. If you sign up for InsuranceAssist on behalf of a company or other entity, you represent and warrant that you have the authority to accept these Terms on their behalf.
You or NSG. may terminate this Agreement at any time and for any reason by giving Notice to the other party. We may suspend our Service to you at any time, with or without cause. Once terminated, we may permanently delete your account and all the data associated with it, including your emails from our servers. If you don't log in to your account for 12 or more months, we may treat your account as "inactive" and permanently delete the account and all the data associated with it.
We may change any of the Terms by posting revised Terms of Use on our Website and/or by sending an email to the last email address you gave us. Unless you terminate your account within ten (10) days, the new Terms will be effective immediately and apply to any continued or new use of InsuranceAssist. We may change the Website, the Service, or any features of the Service at any time.
We may change, add or improve any of our services at our discretion and optionally notify you by sending an email to the last email address you gave us. The notices may include new system features, processes, or additional applications available or specific features thereof.
You're responsible for keeping your account name and password confidential. You're also responsible for any account that you have access to, whether or not you authorized the use. You'll immediately notify us of any unauthorized use of your accounts. We're not responsible for any losses due to stolen or hacked passwords. We don't have access to your current password, and for security reasons, we may only reset your password.
We don't know the inner workings of your organization or the nature of your personal relationships, and we don't arbitrate disputes over who owns an account. You won't request access to or information about an account that's not yours. We'll rely on the contact information listed for that account.
You shall respect our proprietary rights in the Website and the software used to provide InsuranceAssist (proprietary rights include patents, trademarks, service marks, and copyrights). You may only use our brand assets according to our Brand Guidelines. Please contact support@nowsolutionsgroup.com if you need guidance or collateral materials.
You represent and warrant that you either own or have permission to use all of the material in your presentations. You retain ownership of the materials you upload to the Service. We may use or disclose your materials only as we describe in these Terms and our Privacy Policy.
We may use and disclose your information according to our Privacy Policy. Our Privacy Policy will be treated as part of these Terms.
If you think anyone is violating any of these Terms, please notify us immediately. If you received spam you think came from an InsuranceAssist user, we want to hear about it. Please report it to our abuse team. If you think anyone has posted material that violates any copyrights, then you may notify us according to our Copyright Policy.
You represent and warrant that your use of InsuranceAssist will comply with all applicable laws and regulations. You're responsible for determining whether our Services are suitable for you to use in light of any regulations like Canadian Privacy Act, HIPAA, GLB, EU Data Privacy Laws, or other laws. If you're subject to regulations (like HIPAA) and you use our Service, then we won't be liable if our Service doesn't meet those requirements.
To the maximum extent permitted by law, you assume full responsibility for any loss that results from your use of the Website and the Services, including any downloads from the Website. We and our Team won't be liable for any indirect, punitive, special, or consequential damages under any circumstances, even if they're based on negligence or we've been advised of the possibility of those damages. Our total liability for all claims made about the Service in any month will be no more than what you paid us for the Service the month before.
You agree to indemnify and hold us and our Team harmless from any losses (including attorney fees) that result from any claims you make that aren't allowed under these Terms due to a "Limitation of Liability" or other provision. You also agree to indemnify and hold us harmless from any losses (including attorney fees) that result from third-party claims that you or someone using your password did something that, if true, would violate any of these Terms.
If we file an action against you claiming you breached these Terms and we prevail, we're entitled to recover reasonable attorney fees and any damages or other relief we may be awarded.
If you violate these Terms then we may seek injunctive relief (meaning we may request a court order to stop you) or other equitable relief.
If we have to provide information in response to a subpoena related to your account, then we may charge you for our costs. These fees may include attorney and employee time spent retrieving the records, preparing documents, and participating in a deposition.
The province of Ontario's laws, except for conflict of laws rules, will apply to any dispute related to these Terms or the Service. Any dispute related to the Terms, the Privacy Policy, or the Service itself will be decided by the provincial and federal courts in Toronto Ontario Canada, and each party will be subject to the jurisdiction of those courts.
We won't be held liable for any delays or failure in performance of any part of the Service, from any cause beyond our control. This includes, but is not limited to, acts of God, changes to law or regulations, embargoes, war, terrorist acts, riots, fires, earthquakes, nuclear accidents, zombie apocalypse, floods, strikes, power blackouts, volcanic action, unusually severe weather conditions, and acts of hackers or third-party internet service providers.
Even if this Agreement is terminated, the following sections will continue to apply: Proprietary Rights Owned by Us, Proprietary Rights Owned by You, Compliance with Laws, Limitation of Liability, No Warranties, Indemnity, Choice of Law, Severability, and Entire Agreement.
If it turns out that a section of this Agreement isn't enforceable, then that section will be removed or edited as little as necessary, and the rest of the Terms will still be valid.
The headers are provided only to make this agreement easier to read and understand. The fact that we wrote these Terms won't affect the way this Agreement is interpreted.
Amendments or changes to these Terms won't be effective until we post revised Terms on the Website. That aside, additional terms may apply to certain features of the Service (the "Additional Terms"). The Additional Terms will be considered incorporated into these Terms when you activate the feature. Where there's a conflict between these Terms and the Additional Terms, the Additional Terms will control. If we don't immediately take action on a violation of these Terms, we're not giving up any rights under the Terms, and we may still take action at some point.
Because we have so many users, we can't change these Terms for any one user or group. If we did that, keeping up with the changes would be a logistical nightmare. So no changes, no exceptions.
You'll provide all documents and take any actions necessary to meet your obligations under these Terms.
Any notice to you will be effective when we send it to the last email or physical address you gave us or posted on our Website.
These Terms, our Privacy Policy, Acceptable Use Policy, (all of which are incorporated into these Terms by reference), and any Additional Terms you've agreed to make up the entire agreement and supersede all prior agreements, representations, and understandings.