IMPORTANT: Please read the terms and conditions set forth below carefully before using this site or any of the programs, content or material available through this site. Use of this site is expressly conditioned on your acceptance of the following terms and conditions. By using this site or any of the programs, content or material available through the site, you signify your assent to and acceptance of these terms and conditions. If you do not agree with any part of the terms and conditions set forth below, you must not use this site or any portion thereof.
Who We Are
This website, IAPP.io (“Site”), is owned and operated by Insurance Advanced Planning Platform LLC (“IAPP”).
Services Offered Through IAPP.io
This Site is designed as a resource for insurance agents, advisors, lenders, financial professionals, and their clients and to offer visitors and users of this Site (the “Users” or the “User”) information regarding a variety of insurance and financial solutions. The services available on this Site are designed to be completed upon a licensed user providing required information, unless otherwise specified.
Relationship with IAPP
Nothing on this Site shall be construed as creating any type of relationship between IAPP and the User. IAPP is not an insurance agency, financial services agency, tax agency, or law firm. By using this Site, the User agrees that none of the above relationships exist with IAPP and that the User is not relying upon any representations or warranties of IAPP.
Legal Forms
This Site may include legal forms. THESE FORM DOCUMENTS ARE NOT A SUBSTITUTE FOR THE ADVICE OF LEGAL AND TAX COUNSEL. The Users are advised to seek the advice of independent legal counsel or tax professionals prior to using any legal forms found on this Site. The legal and tax consequences of all legal forms must be reviewed and approved by qualified legal and tax counsel before they are utilized for any purpose. IAPP is not a law firm and does not have licensed attorneys or tax advisors on staff. These forms are provided for educational purposes only, and by accessing these forms, the User agrees that IAPP shall not have any liability should the User decide to use any form and that the User will seek competent legal and tax counsel should the User decide to use any form. Should the User use any form, the User also agrees that IAPP has made no representations or warranties to the User relating to the form.
No Offer
All information and materials published, distributed or otherwise made available on the Site are provided for informational purposes and for your non-commercial, personal use only. No information or materials published on the Site constitutes a solicitation, an offer, or a recommendation to buy or sell any investment or insurance instruments, to effect any transactions, or to initiate, maintain, or conclude any legal act of any kind whatsoever.
IAPP does not provide investment, insurance, legal, or tax advice through the Site and nothing herein should be construed as being financial, insurance, legal, tax or other advice. IAPP does not represent that any securities or services discussed are suitable for any investor. No investment or other decisions should be made solely based on the contents or information found on the Site.
When making a decision about your investments and insurance and the resulting legal and tax consequences, the User should seek the advice of a professional financial advisor, attorney, tax professional, or other qualified expert.
Customer Complaints
The Users who have complaints regarding the Site may address such concerns in writing, via e-mail at info@iapp.io or traditional mail to the contact listed below.
Dispute Resolution
The User agrees to have any unresolved claim or dispute against IAPP or its affiliates resolved through arbitration as set forth below after first submitting the claim or dispute to mandatory non-binding mediation. The User agrees to attempt to resolve any claim or dispute through non-binding mediation before a mediator mutually agreeable to the parties and that the forum for any mediation hearing will be Montgomery County, Texas. The parties will each bear their respective costs of mediation.
If a claim or dispute is not resolved as a result of mediation, the User agrees to have any unresolved claim or dispute against IAPP or its affiliates, whether related to these terms and conditions or otherwise, and any claim or dispute related to these terms and conditions or the relationship or duties contemplated under these terms and conditions, including the validity of this arbitration clause, resolved by binding arbitration by the American Arbitration Association, under the rules of procedure then in effect. The User agrees that the forum for any such arbitration proceeding shall be held in Montgomery County, Texas. Any award of the arbitrator(s) may be entered as a judgment in any court of competent jurisdiction. Information may be obtained and claims may be filed at any office of the American Arbitration Association. This agreement shall be interpreted under the Federal Arbitration Act.
Please note that disputes regarding IAPP or its affiliates may need to be resolved through the Financial Industry Regulatory Authority in accordance with their arbitration procedures.
Ownership
The Site, each of its components, and the content, forms, programs and materials provided thereby, are the intellectual property of IAPP, the appropriate IAPP affiliate or its affiliated entities. None of the content, forms, programs, materials or data found on the Site may be modified, reproduced, republished, distributed, sold, or transferred without the express written consent of IAPP, the appropriate IAPP affiliate or the applicable third-party provider. The trademarks and service marks (“Marks”) displayed on this Site are the property of IAPP unless specifically indicated otherwise. Each User is prohibited from using any Mark without the prior written consent of IAPP or the IAPP affiliate owning the Mark. Nothing contained on this Site is intended or should be construed to grant by implication, estoppel, or otherwise, any license to use any of the Marks without the express written consent of IAPP or the IAPP affiliate owning the mark.
Use
This Site, each of its components, and the content, forms, programs, materials and information on the Site are intended for the User’s personal use. Each User is prohibited from using such items for commercial purposes without our prior written consent. This Site, and the content provided on this Site, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed without the prior written consent of IAPP. Unauthorized use of this Site or the materials contained on this Site may violate applicable intellectual property or other laws. Each User is prohibited from posting on or transmitting to or through the Site any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law.
Privacy
Please see our privacy policy regarding our collection, retention, and use of information.
Age and Responsibility
Each User represents that it is of legal age and competency to use this Site and to create binding legal obligations for any liability you incur as a result of using this Site. The User understands and acknowledges that the User is financially and otherwise responsible for any use of this Site by the User and anyone using the User’s login information.
Investment and Insurance Information
Information available through this Site is not intended to be used for any investment or insurance decision, nor should it be construed as advice designed to meet the particular needs of an individual investor or purchaser of insurance. Please seek the advice of a financial or other professional, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.
Exclusion of Warranty
IAPP, ITS AFFILIATED ENTITIES AND APPLICABLE THIRD-PARTY PROVIDERS MAKE NO WARRANTIES OF ANY KIND REGARDING THIS SITE OR THE CONTENT, PROGRAMS, OR MATERIAL PROVIDED ON THIS SITE, ALL OF WHICH ARE PROVIDED ON AN “AS IS” BASIS. IAPP, ITS AFFILIATED ENTITIES AND APPLICABLE THIRD-PARTY PROVIDERS DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENCY, RELIABILITY, OR AVAILABILITY OF ANY OF THE CONTENT, PROGRAMS, MATERIAL, OR DATA FOUND ON THIS SITE AND SUCH PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY SUCH WARRANTIES OR CONDITIONS ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING EXCLUSION AND DISCLAIMER MAY NOT APPLY. IN THE EVENT THIS EXCLUSION OF WARRANTY IS NOT ALLOWED, IT WILL BE REVISED TO BE ENFORCEABLE TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, IF ANY.
Limitation of Liability
IAPP, ITS AFFILIATED ENTITIES, AND THIRD-PARTY PROVIDERS, WILL NOT BE RESPONSIBLE, AND WILL NOT BE LIABLE, FOR ANY DAMAGES TO THE USER’S COMPUTER EQUIPMENT OR OTHER PROPERTY ARISING FROM YOUR USE OF, BROWSING IN OR DOWNLOADING OF ANY CONTENT, PROGRAMS, MATERIALS, DATA, TEXT, IMAGES, AUDIO, OR VIDEO FROM THE SITE. IN NO EVENT WILL IAPP, ITS AFFILIATED ENTITIES, OR APPLICABLE THIRD-PARTY PROVIDERS BE LIABLE FOR ANY INJURY, LOSS, DAMAGE OR CLAIM, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, ARISING FROM OR IN ANY WAY CONNECTED WITH (A) ANY USE OF THIS SITE, OR CONTENT, PROGRAMS, FORMS OR MATERIALS PROVIDED THROUGH THIS SITE, (B) ANY FAILURE, DELAY, OR UNAVAILABILITY (INCLUDING, BUT NOT LIMITED TO THE USE OF OR INABILITY TO USE OR ACCESS ANY CONTENT, PROGRAMS, MATERIAL, OR DATA PROVIDED ON THE SITE), (C) THE PERFORMANCE OR NON-PERFORMANCE OF IAPP, ITS AFFILIATED ENTITIES OR APPLICABLE THIRD-PARTY PROVIDERS, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY, (D) THE USER’S DISCLOSURE OF THE USER’S PASSWORD TO, OR USE OF SUCH PASSWORD BY, ANY THIRD PARTY, OR (E) ANY ACCESS TO, OR USE OF, YOUR INFORMATION BY AN UNAUTHORIZED PERSON OR UNAUTHORIZED PERSONS. SOME STATES DO NOT ALLOW LIMITATION OF LIABILITY, SO THE FOREGOING LIMITATION MAY NOT APPLY. IN THE EVENT THIS LIMITATION OF LIABILITY IS NOT ALLOWED, IT WILL BE REVISED TO BE ENFORCEABLE TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, IF ANY.
Links to Other Sites
This Site contains links to other websites, which are provided as a convenience to you and not as an endorsement by IAPP, its affiliates or third-party providers of the contents of such web sites. IAPP may be paid an advertising fee for some links provided on the Site, but the receipt of such a fee does not constitute IAPP’s endorsement of the contents of such web sites. IAPP, its affiliates and third-party providers will not be responsible for the content of any other web site and make no representation or warranty regarding any other web site or the contents or materials on such sites. If you decide to access other web sites, you do so at your own risk.
Indemnification
The User will indemnify and hold harmless IAPP, its affiliated entities, any third-party providers, and their respective officers, directors, employees, and agents from and against any claim, damages, cause of action or demand, including, but not limited to, reasonable legal, accounting, and other professional fees, brought by or on your behalf or by third parties as a result of your use of the Site, or any content, programs, or materials provided through the Site.
Modification
IAPP may at any time modify these terms and conditions in whole or in part and the User’s continued use of the Site, or any content, programs or materials provided through the Site, will be subject in all respects to the terms and conditions in force at the time of such use.
Assignment
The User may not assign, convey, subcontract, or delegate your rights, duties, or obligations hereunder. IAPP may, at any time, assign, convey, transfer, delegate, or subcontract any or all of its rights or obligations without prior notice.
Severability
These terms and conditions will be deemed severable so that if any provision is determined to be unenforceable or invalid, such provision will nonetheless be revised and enforced to the fullest extent permitted by applicable law, and such determination will not affect the validity or enforceability of any other remaining provision.
Headings
The headings used in these terms and conditions are included for convenience only and will not limit or affect in any way these terms and conditions.
Entire Agreement
These terms and conditions, together with those incorporated or referred to herein, constitute the entire agreement between IAPP and the User relating to the subject matter hereof, and supersede any prior understandings or agreements (whether oral or written) regarding the subject matter, and may not be amended or modified except in writing or by making such amendments or modifications available on this Site.
The User is encouraged to visit these Terms and Conditions and our Privacy Statement from time to time to review any updates and changes.
Choice of Law
These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Texas, without giving effect to its conflict of laws provisions or the User’s actual state or country of residence.
Contact Information
IAPP may be reached at:
Insurance Advanced Planning Platform LLC
12549 Louetta Rd.
Cypress, TX 77429
info@iapp.io