Effective Date: October 2021
The following Terms and Conditions (these “Terms”) describe the terms and conditions on which Choice Financial Group, LLC (sometimes referred to in these Terms as “Choice Insurance Agency”, “we” or “us”) offers you access to this website (this “Site”) and to related websites, applications, services and mobile applications in or to which these Terms are linked or referenced, as well as any service or mobile application linked to or accessible to or through the Site (collectively with this Site, the “Services”).
Before accessing and using the Services, please read these Terms carefully because they constitute a legal agreement between Choice Financial Group, LLC and you.
BY USING ANY OF THE SERVICES, YOU AGREE TO THESE TERMS AND AFFIRM THAT YOU ARE ABLE AND LEGALLY COMPETENT TO DO SO.
IMPORTANT NOTE: These Terms contain provisions that limit our liability to you and require you to resolve any dispute with us through final and binding arbitration on an individual basis and not as part of any class or representative action. Please see “DISCLAIMER OF WARRANTIES & LIMITATIONS OF LIABILITY” (Section 8) and “DISPUTE RESOLUTION” (Section 10) below for more information.
IF YOU DO NOT AGREE TO ANY OF THESE TERMS, THEN PLEASE DO NOT USE THE SERVICES.
1. CHANGES OF TERMS
The Effective Date of these Terms is set forth at the top of this webpage. As we add new features, we may need to modify these Terms. Whenever possible, we will provide you with advance written notice of our changes. We will not make changes that have a retroactive effect unless we are legally required to do so. Your continued use of the Services after the Effective Date constitutes your acceptance of the amended Terms. The amended Terms supersede all previous versions of or agreements, notices or statements of or about the Terms.
2. ADDITIONS TO TERMS
Certain Services and Promotions (as defined in Section 6 below) may be governed by additional terms and conditions presented in conjunction with them. You must agree to the additional terms before using such services. These Terms and any additional terms will apply equally. If any additional term is irrevocably inconsistent with any provision of these Terms, the additional term will prevail but solely to the extent of the inconsistency.
4. CHOICE FINANCIAL GROUP, LLC & TRADEMARK ACKNOWLEDGEMENTS
The Services, including any information, graphic, artwork, text, video clip, audio clip, trademark, logo and other content provided on, in or through the Services, (collectively, “Choice Insurance Agency” content) are owned by Choice Financial Group, LLC or its licensors and protected under both United States and foreign copyright, trademark and other laws.
Choice Financial Group, LLC and/or Choice Insurance Agency, their respective images, logo designs, and individual designs are trademarks, service marks, and trade dress of Choice Financial Group, LLC all rights reserved, copyright © 2021 Choice Financial Group, LLC. Neither this website nor any element thereof, including without limitation, text, graphics, images, photographs, likenesses, or other materials, may be copied, reproduced, uploaded, posted, transmitted, or redistributed without the prior express written consent of Choice Financial Group, LLC. Trademarks, service marks, and logo designs owned by third parties are the property of their respective owners and are used by permission.
Choice Financial Group, LLC grants to you a personal, nonexclusive, nontransferable and limited license (without the right to sublicense) to access and use the Services solely for your own personal use and subject to these Terms. You acknowledge that the trade secrets and intellectual property embodied in the Services have not been and will not be licensed or otherwise disclosed to you. All rights not expressly granted herein are reserved by Choice Financial Group, LLC.
5. USING THIS SITE AND/OR SERVICES
5.1. Eligibility: You must be the age of legal majority or older in your place of residence to use the Services.
5.2 Your Profile: You are required to provide certain information to use certain features of the Services. This information is collectively referred to as your “Profile.” You agree that you will maintain your Profile information to ensure that it is current, complete and accurate. If you provide untrue, incomplete or inaccurate information, you understand that we have the right to terminate your Profile and use of the Services.
You agree that Choice Financial Group, LLC may contact you using the email address that you provide in your Profile.
5.3. Your Responsibilities: You may use the Services for lawful, non-commercial purposes only. You may not use the Services in any manner that could damage, disable, overburden or impair our servers or networks or interfere with any other party’s use and enjoyment of the Services.
You may not attempt to gain unauthorized access to the Services, other users’ Profiles or Choice Financial Group, LLC computer systems or networks, through hacking, data mining or any other means. Without limiting any of the foregoing, you agree that you shall not (and you agree not to encourage or allow any third party to):
- copy, modify, adapt, translate, reverse engineer, decode or otherwise attempt to derive or gain access to any portion of the Services or Choice Insurance Agency Content;
- remove any copyright, trademark or other proprietary rights notices contained in the Site and/or Services or Choice Insurance Agency Content;
- use any robot, spider, site search/retrieval application, or other automated device, process or means to access, retrieve, scrape or index any portion of the Site and/or Services;
- rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Site and/or Services or any features or functionality of the Services, to any third party for any reason, including by making the Services available on a network where it is capable of being accessed by more than one device at any time
- reformat or frame any portion of the web pages that are part of the Services; or
- create more than one Profile under false or fraudulent pretenses; or
- use the Services in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
Choice Financial Group, LLC has the discretion to terminate your access to the Services without notice for any violation of the above rules.
You are solely responsible for any and all charges, fees and other costs related to use of the Services. If you access and use the Services on your smartphone, tablet or other mobile device, you must have wireless service through Wi-Fi or a participating mobile service provider. You agree that you are solely responsible for all message and data charges that you incur from your mobile service provider.
Choice Financial Group, LLC may from time to time offer Services that require text messaging (SMS or MMS) capability. We do not impose a separate charge for text messaging services but message and data rates may apply. All charges are billed by and payable to your mobile service provider. Please contact your mobile service provider for pricing plans and details. Choice Financial Group, LLC is not liable for any delays in the receipt of any text messages as delivery is subject to effective transmission from your mobile service provider. Text messages are provided on an “as is” basis and may not be available in all areas at all times.
Once you opt-in to receive text messages from us, the frequency of text messages that we send to you will depend on your transactions with us. By agreeing to receive text messages, you understand and agree that Choice Financial Group, LLC may use an automatic telephone dialing system to deliver text messages to you and that your consent is not required as a condition of purchase for any goods or services.
5.4. Submissions. Choice Financial Group, LLC may from time to time offer areas in the Services where you and other users can post or otherwise submit suggestions, ideas, notes, concepts, testimonials or other information or materials to or through the Services (collectively, “Submissions”). By sending, posting or transmitting Submissions to Choice Financial Group, LLC (and/or our designees) or in or on any area of the Services, you grant Choice Financial Group, LLC and our designees a worldwide, non-exclusive, sub-licensable (through multiple tiers), transferable, royalty-free, perpetual, irrevocable right to use, reproduce, sublicense (through multiple tiers), distribute, create derivative works of, perform and import your Submissions in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to you. In other words, Choice Financial Group, LLC has the automatic right to use your Submissions — including reproducing, disclosing, publishing or broadcasting your Submission — in any medium and for any purpose. Under no circumstances are you entitled to payment if Choice Financial Group, LLC uses one of your Submissions. All Submissions are deemed non-confidential and non-proprietary.
You are the owner of and are responsible for your Submissions. By posting a Submission, you represent and warrant that:
you own or otherwise control all of the rights to your Submission, including without limitation all copyrights and trademarks;
your Submission is true and accurate;
your Submission does not violate the rights of any other person or entity, such as rights of privacy and publicity; and
your Submission complies with applicable laws, rules and regulations.
You acknowledge and agree that Choice Financial Group, LLC has the right (but not the obligation) to alter, remove or refuse to post or allow to be posted any Submission. Choice Financial Group, LLC takes no responsibility and assumes no liability for any Submission posted by you or any third party.
Choice Financial Group, LLC strongly encourages you not to disclose any personal information in your Submissions because other people can see and use the personal information in your Submissions. Choice Financial Group, LLC is not responsible for information that you choose to communicate via Submissions.
From time to time, we may offer you the opportunity to participate in discounts, offers or other promotions (collectively, “Promotions”). Promotions are not open to employees (and their immediate family members or members of the same household) of Choice Financial Group, LLC and its affiliates, agents and advertising and promotion agencies. You may not transfer, assign, sell, trade or barter any prize, premium of other benefits you receive through our Promotions. Unless required by law, any Promotion-related prize, premium or other benefit may not be combined with a benefit received in connection with any other Promotion. ANY PRIZE, PREMIUM OF OTHER BENEFIT IS AWARDED “AS IS” WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR GUARANTEE FROM Choice Financial Group, LLC, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
We reserve the right to modify, terminate or suspend the availability of Promotions and to correct errors or inconsistencies in Promotion-related materials. We may disqualify any individual who tampers with any Promotion or Promotion-related process. CAUTION: ANY ATTEMPT BY ANY INDIVIDUAL TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF A PROMOTION IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND WE RESERVE THE RIGHT TO SEEK DAMAGES FROM SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.
You agree to be bound by our decisions, which are final and binding in all matters relating to Promotions. Promotions are subject to all applicable federal, state and local laws, rules and regulations. Promotions are void anywhere that they are prohibited, restricted or taxed.
BY PARTICIPATING IN A PROMOTION, YOU AGREE TO RELEASE THE CHOICE FINANCIAL GROUP, LLC AND ITS AGENTS AND AFFILIATES FROM ANY AND ALL LIABILITY, LOSS OR DAMAGE ARISING FROM OR IN CONNECTION WITH PARTICIPATION IN ANY PROMOTION-RELATED ACTIVITY OR THE RECEIPT, USE AND/OR MISUSE OF ANY PRIZE OR PREMIUM THAT YOU MAY RECEIVE.
7. THE CHOICE APP
7.1 Actual Conditions; Assumption of Risk. When you use the Choice App’s Send a Referral, Share Choice Information tools and other Content, you may find that results and content may change and be updated, so exercise your independent judgment and use the Choice App at your own risk. You’re responsible at all times for your conduct and its consequences.
7.2 Prohibited Conduct. When using the Choice Financial Group, LLC, you may not (or allow those acting on your behalf to):
- redistribute or sell any part of the Choice App or create a new product or service based on the Choice App;
- copy the Content (unless you are otherwise permitted to do so by applicable intellectual property law, including “fair use”);
- mass download or create bulk feeds of the Content (or let anyone else do so);
- use the Choice App to create or augment any other mapping-related dataset (including a mapping or navigation dataset, business listings database, mailing list, or telemarketing list) for use in a service that is a substitute for, or a substantially similar service to, the Choice App;
- reverse engineer or attempt to extract the source code from the Choice App or any related software, except to the extent that this restriction is expressly prohibited by applicable law;
- remove, obscure, or alter any Choice Financial Group, LLC terms of service or any links to or notices of those terms, or any copyright, trademark or other proprietary rights notices; or do anything inappropriate, illegal, or in violation of others’ rights (including their privacy, publicity, and intellectual property rights).
7.3 Your Content in the Choice Insurance Agency App. Content you upload, submit, store, send or receive through the Choice App is subject to Choice Financial Group, LLC Terms. However, content that remains exclusively local to your device is not uploaded or submitted to Choice Financial Group, LLC and is therefore not subject to that license.
8. LINKS TO OTHER SERVICES
The Services may contain links to third-party websites and services, including social media (collectively, “Linked Services”). Linked Services are not under the control of Choice Financial Group, LLC and Choice Financial Group, LLC is not responsible for Linked Services or for any information or materials on, or any form of transmission received from, any Linked Services. The inclusion of a link does not imply endorsement by Choice Financial Group, LLC of the Linked Services or any association with the operators of the Linked Services. Choice Financial Group, LLC does not investigate, verify or monitor the Linked Services. Choice Financial Group, LLC provides links to Linked Sites for your convenience only. You access Linked Services at your own risk.
9. DISCLAIMER OF WARRANTIES & LIMITATIONS OF LIABILITY
Choice Financial Group, LLC warrants that Choice Financial Group, LLC has validly entered into these Terms and has the legal power to do so. You warrant that you have validly entered into these Terms and have the legal power to do so.
EXCEPT AS EXPRESSLY PROVIDED ABOVE, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. Choice Financial Group, LLC specifically disclaims all warranties and conditions of any kind, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from defects, uninterrupted use and all warranties implied from any course of dealing or usage of trade. Choice Financial Group, LLC does not warrant that (a) the Services will meet your requirements, (b) operation of the Services will be uninterrupted or virus- or error-free or (c) errors will be corrected. Any oral or written advice provided by Choice Financial Group, LLC or its authorized agents does not and will not create any warranty. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES WHICH MEANS THAT SOME OR ALL OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
YOU USE THE SERVICES AT YOUR OWN RISK.
YOU AGREE THAT IN NO EVENT WILL CHOICE FINANCIAL GROUP, LLC BE LIABLE (Y) FOR DAMAGES OF ANY KIND, INCLUDING DIRECT, INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, LOSS OF USE, DATA OR PROFITS OR BUSINESS INTERRUPTION), HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, WHETHER ARISING IN ANY WAY IN CONNECTION WITH THESE TERMS AND WHETHER IN CONTRACT, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) EVEN IF CHOICE FINANCIAL GROUP, LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR (Z) FOR ANY OTHER CLAIM, DEMAND OR DAMAGES WHATSOEVER RESULTING FROM OR ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES. The foregoing disclaimer of liability will not apply to the extent prohibited by applicable law.
IF FOR ANY REASON THE DISCLAIMERS OF WARRANTIES OR LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION 8 IS/ARE INAPPLICABLE OR UNENFORCEABLE FOR ANY REASON, THEN CHOICE FINANCIAL GROUP, LLC MAXIMUM LIABILITY FOR ANY TYPE OF DAMAGES UNDER THESE TERMS IS LIMITED TO $1,000.
You acknowledge and agree that the above limitations of liability together with the other provisions in these Terms that limit liability are essential terms and that Choice Financial Group, LLC would not be willing to grant you the rights set forth in these Terms but for your agreement to the above limitations of liability.
IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE YOUR RIGHTS WITH RESPECT TO CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR”.
You agree to indemnify and defend Choice Financial Group, LLC and its directors, officers, employees and agents from and against all losses, liabilities, actual or pending claims, actions, damages, expenses, costs of defense and reasonable attorneys’ fees brought against Choice Financial Group, LLC by any third party arising from your use of the Services or any violation of these Terms, the rights of a third party or applicable law. Choice Financial Group, LLC reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification hereunder. No settlement that affects the rights or obligations of Choice Financial Group, LLC may be made without Choice Financial Group, LLC prior written approval.
11. DISPUTE RESOLUTION
These Terms are governed by and construed and enforced in accordance with the internal laws of the State of Virginia without giving effect to the principles of conflicts of laws of such state and are binding upon the parties hereto in the United States and worldwide. You and Choice Financial Group, LLC agree that the United Nations Convention on Contracts for the International Sale of Goods does not apply to the interpretation or construction of these Terms.
YOU AND CHOICE FINANCIAL GROUP, LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING.
YOU AND CHOICE FINANCIAL GROUP, LLC AGREE THAT ALL CLAIMS WILL BE RESOLVED BY BINDING ARBITRATION IN THE MANNER SPECIFIED IN THIS SECTION 10 AND THAT YOU AND CHOICE FINANCIAL GROUP, LLC WAIVE ANY RIGHT TO BRING SUCH CLAIMS BEFORE ANY COURT OF LAW. RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY BE UNAVAILABLE OR LIMITED IN ARBITRATION.
Any dispute between you and Choice Financial Group, LLC and its agents, employees, officers, directors, principals, successors, assigns, subsidiaries or affiliates arising from or relating to these Terms and their interpretation or the breach, termination or validity thereof, the relationships which result from these Terms, including disputes about the validity, scope or enforceability of these Terms to arbitration (collectively, “Covered Disputes“) will be settled by binding arbitration in the State of Virginia administered by the (AAA) in accordance with its rules (including its rules and procedures for consumer-related disputes) in effect on the date thereof (“AAA Rules”). Prior to initiating any arbitration, the initiating party will give the other party at least 60 days’ advanced written notice of its intent to file for arbitration. Choice Financial Group, LLC will provide such notice by email to the email address that you provided when you created your Profile and you must provide such notice to Choice Financial Group, LLC by email at firstname.lastname@example.org
Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. If, however, you are able to demonstrate that the costs of arbitration will be prohibitive for you as compared to the costs of litigation, Choice Financial Group, LLC will pay as much of the filing, administration and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive for you. If the arbitrator determines the claim(s) you assert in the arbitration are frivolous, you agree to reimburse Choice Financial Group, LLC for all fees associated with the arbitration that Choice Financial Group, LLC paid on your behalf which you otherwise would be obligated to pay under the AAA Rules.
A single arbitrator will be selected in accordance with the AAA Rules. The arbitration shall be conducted in the English language. The arbitrator will have the power to grant whatever relief would be available in court under law or in equity and any award of the arbitrator will be final and binding on each of the parties and may be entered as a judgment in any court of competent jurisdiction. The arbitrator will not, however, have the power to award punitive or exemplary damages, the right to which each party hereby waives. The arbitrator will apply applicable law and the provisions of these Terms and the failure to do so will be deemed an excess of arbitral authority and grounds for judicial review. The arbitrator’s decision must be with written explanation and remain confidential. Choice Financial Group, LLC and you agree that any Covered Dispute will be submitted to arbitration on an individual basis only. If any provision of the agreement to arbitrate in this Section 10 is found unenforceable, the unenforceable provision will be severed and the remaining arbitration terms will be enforced (but in no case will a class, representative or private attorney general arbitration per permitted hereunder). Regardless of any statute or law to the contrary, notice on any claim arising from or related to these Terms must be made within one (1) year after such claim arose or be forever barred. For purposes of this Section 10, these Terms and related transactions will be subject to and governed by the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA).
12. ELECTRONIC CONTRACTING
13. GEOGRAPHIC RESTRICTIONS
Choice Financial Group, LLC is based in the states of Virginia, Delaware, North Carolina and South Carolina in the United States. You acknowledge that you may not be able to access the Services outside of the United States and that access may not be legal by certain persons or in certain countries. If you access the Services from outside the United States, you are responsible for compliance with local laws. Choice Financial Group, LLC makes no claims that the Services are accessible or appropriate outside of the United States.
The Services may be subject to U.S. export control laws, including the US Export Administration Act and its associated regulations. You shall not, directly or indirectly, export, re-export or release the Services to, or make the Services accessible from, any jurisdiction or country to which export, re-export or release is prohibited by law, rule or regulation. You shall comply with all applicable federal laws, regulations and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental approval), prior to exporting, re-exporting, releasing or otherwise making the Services available outside the U.S.
These Terms automatically terminate when you fail to comply with any term or condition of them. Choice Financial Group, LLC may terminate or modify your access to the Services, with or without notice to you, at any time for any reason. For example, access to the Services may be denied without notice if Choice Financial Group, LLC believes that you are a minor.
Termination will not limit any of Choice Financial Group, LLC other rights or remedies. Sections 4, 8, 9, 10 and 15, as well as any other provision that must survive in order to give proper effect to the intent and purpose of these Terms, shall survive termination.
15. CLAIMS OF COPYRIGHT INFRINGEMENT
We respond to notices of alleged infringement as required by the U.S. Digital Millennium Copyright Act (“DMCA”), including by removing or disabling access to material claimed to be the subject of infringing activity. If you have a good faith belief that your work has been copied in a way that constitutes copyright infringement or that your intellectual property rights otherwise have been violated in or through the Services, please send your claim or notice of infringement to us at:
Choice Insurance Agency
4664 South Blvd Ste 100B
Virginia Beach, Virginia 23452
Our DMCA Agent will only respond to notices and inquiries that comply with the requirements of the DMCA. Please see www.copyright.gov for more information.
16.2 These Terms inure to the benefit of and will be binding upon Choice Financial Group, LLC and your successors and assigns, respectively
16.3 These Terms may be assigned by Choice Financial Group, LLC, and may delegate any of its obligations under these Terms, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Choice Financial Group, LLC assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding.
16.4 If any provision of these Terms is or becomes unenforceable or invalid, the remaining provisions will continue with the same effect as if such unenforceable or invalid provision had not been used.
16.5 If Choice Financial Group, LLC fails or you fail to perform any obligation under these Terms and the other party does not enforce such obligation, the failure to enforce on any occasion will not constitute a waiver of any obligation and will not prevent enforcement on any other occasion.
16.6 Nothing contained in these Terms will be deemed to constitute Choice Financial Group, LLC or you as the agent or representative of the other or as joint venturers or partners.
16.7 If Choice Financial Group, LLC is or you are prevented from performing or unable to perform any obligation under these Terms due to any cause beyond the reasonable control of the party invoking this provision, the affected party’s performance will be extended for the period of delay or inability to perform due to such cause.
16.8 Headings and captions are for convenience only.
If you have questions about these Terms or the Services, or wish to change or delete any information you provided to us through the Services, please contact us at (855) 467-8733 or email@example.com.
You can also write to us at:
Choice Insurance Agency
4664 South Blvd Ste 100B.
Virginia Beach, Virginia 23452