Last Revised: January 19, 2017
Your Compliance with These Terms
By using our Services, you agree that your acceptance of these Terms is supported by sufficient and valuable consideration. You acknowledge that this consideration includes, but is not limited to, access to our Services and your ability to interact with our Services. You expressly represent that you have the capacity to agree to be bound to these terms, and, where acting on behalf of a business entity or other organization, agree that you have the authority to so bind that entity or organization.
As a condition to using certain features of our Services, you may be required to register and create a username and password. You may not select a username intended to impersonate another person or identity, that is subject to rights of another person or identity, or that is obscene or vulgar. We reserve the right to refuse or cancel registration of any username in our sole discretion. You are responsible for maintaining the confidentiality of your username and password. You further agree to notify us immediately, at firstname.lastname@example.org if you become aware of any unauthorized use involving your username and password.
Use of Our Services
Our Services as well as their underlying processes, related content, and generated data may only be used for your personal, informational, and non-commercial use. You may not copy, reproduce, sell, distribute, replicate, duplicate, relay, transmit, broadcast, or license our Services or their underlying processes, related content, or generate data without Next’s express written consent. Your use of Next Services is not transferable by you to any other person or entity. Your access and use of our Services may be interrupted by, without limitation, maintenance of our equipment or networks, malfunction of our equipment or networks, or inadvertently by a third party or parties. We reserve the sole right to suspend or discontinue the availability of our Services at any time in our sole discretion and without prior notice or consent.
You are responsible for anything you transmit to or through this Site or to us through email, and that your transmissions will be truthful, accurate, not misleading, offered in good faith and that you have authority to transmit such information. In using this Site, you agree that it is solely your responsibility to avoid certain activities we deem as prohibited at our discretion. These prohibited activities include without limitation:
- Criminal activity or tortious activity, including fraud, harassment, spamming, copyright infringement, patent infringement, or theft of trade secrets;
- Advertising to, or solicitation of, any user to buy or sell any products or services;
- Engaging in any automated use of the system, such as using scripts to send comments, messages, post on forums, or request information;
- Interfering with, disrupting, or creating an undue burden on our Services or the underlying networks;
- Attempting to impersonate another user;
- Using a false email address or the email address of another person or entity without authorization;
- Using our Services in a manner inconsistent with any and all applicable laws and regulations;
- Using information or scraping information from our Services for any purpose whatsoever.
Monitoring of Services
We reserve the right but have no obligation to monitor our Services for your or third party violations of these Terms, take appropriate legal action against anyone who violates these Terms, refuse or restrict access to or availability of any user`s interaction with the Services, remove the Services or otherwise disable all files and content that at our discretion, and otherwise manage the Services in order to protect the rights and property of Next and its customers.
Termination of Your Account or Use of Our Services
Next makes no representations or warranties about the suitability of the content of its website for any purpose. Next provides all content of its site on an “as is” and an “as available” bases without any warranty of any kind.
We Are Not an Insurer or Similar Provider of Services
You agree that we are not an insurance company or similar provider of products or services, and as such, do not make any coverage determinations.
Disclaimers and Limitations on Liability
Next makes no warranty of any kind whatsoever-express or implied-with respect to the contents of ITS Services. NEXT HEREBY DISCLAIMS ANY AND All implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose. You expressly agree that your use of our Services is at your solE risk. It is solely your independent duty and responsibility to verify and evaluate the accuracy, correctness, and completeness of ANY Services. We make no warranty or guarantee that any content available for downloading is free from infection from any computer programming or other glitches which may contaminate, damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. We do not make any representations, warranties, or guarantees-express or implied-regarding quotes or offers provided on or through our Services. Without limitation to other provisions contained herein, you agree that we are MERELY an intermediary between you and an insurance provider, financial institution, or other service provider. As such, we expressly disclaim all liability for any content, products, or services furnished from such service providers
We further make no representations, guarantees, or warranties that our Services are appropriate or available for use in jurisdictions outside of the United States of America. If you access or otherwise use our Services from these jurisdictions, you do so of your own volition and risk, and are solely responsible for compliance with local and international law.
Next will not be held liable to anyone for any liability arising out of, or in any way relating to, any damages, loss, or claim whatsoever, no matter how occasioned, in connection with or arising out of access to or use of the contents of its Services. In no event shall Next be liable for any special, indirect, exemplary, or consequential damages, or any damages whatsoever, including but not limited to loss of use, data, or profits, without regard to the form of any action, including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, reproduction, or display of the content.
Representations and Disclaimers Related to Products or Services
Next does not directly provide insurance and makes no representations, warranties, or guarantees with respect to quotes, terms, rates, coverage, or services offered to you by insurers or other third parties through Next’s Services. Next believes the content provided through its Services to be accurate, complete, and current. However, inadvertent technical or factual inaccuracies may arise and, therefore, Next does not warrant that its content is accurate, complete, and current. Content that Next provides through its Services is meant to assist you with insurance and financial decisions, however such information merely constitutes a general description of insurance coverage potentially available. Any particular coverage provided to you by any insurance company or other third party is subject to that party’s terms, conditions, exclusions, and underwriting practices. You must verify information Next provides through its Services before relying on that information in whole or in part. We also recommend that you obtain additional information and advice from your accountant, attorney, and other advisors that can take your individual circumstances into account. The insurance policy or other product or service you purchase, if any, through Next’s Services forms the exclusive contract between you and the insurer or other third party, and you agree to not rely on the general information made available through Next’s Services.
Our Service may provide you with offers or quotes with a third-party provider of goods or services. However, you agree that we make no guarantee that all users will be provided with such a quote, and that some of these services may only be available to United States residents and corporations or only available in a portion of states.
Next may receive fees or commissions from insurers or other third parties with respect to certain transactions made in connection with our Services. Nevertheless, you acknowledge that we are not responsible for any fee arrangement or the terms of any agreement you may enter into with a provider of a product or service through our Services. You hereby release Next of any loss, cost, damages, or claim in connection with or arising from your use of a service or product, including any fees charged
Indemnification and Hold Harmless
By using our Services, you agree to indemnify, defend, and hold harmless Next against any claim, cost, fine, damages, including attorneys’ fees, arising from or related to your use of our Services.
Fees and Charges
Access to and use of many aspects of our Services are free. You may choose to purchase products or services from us while using our Services, which may result in charges and fees to you. We will inform you in advance of any such charge or fee. By submitting payment information for an accepted method of payment (“Payment Method”) through our Services, you authorize us to charge you these agreed-upon amounts as well as any applicable taxes to your Payment Method. You will not be entitled to any refund of charges, fees, or taxes except as expressly provided herein, or as required under applicable law.
You may choose to use a credit or debit card as a Payment Method to pay for charges, fees, and taxes in connection with our Services. Should you choose to do so, you warrant that you are authorized to use such credit or debit card for this purpose. Should you use a credit or debit card without authorization, in whole or in part, you will remain responsible for any outstanding balance, and we may alert the appropriate authorities of your misuse.
You may edit your Payment Method information by calling our customer support. If a payment is not successfully settled, due to expiration, insufficient funds, or otherwise, and you do not call to edit your Payment Method information or cancel your account, you remain responsible for any uncollected amounts and authorize us to continue billing the Payment Method, as it may be updated. This may result in a change to your payment billing dates. For certain Payment Methods, the issuer of your Payment Method may charge you a foreign transaction fee or other charges. Check with your Payment Method service provider for details.
You may cancel your policy at any time by calling our customer support. If you cancel your policy, we will stop your monthly payments and will not charge your Payment Method.
Next and its partner brokerages, risk management, underwriting services, and other consultants may directly or indirectly receive commissions, fees, or interest as compensation for their services or products, or for holding capital. If you have any questions regarding the nature or amount of the compensation paid to Next or its partners, we encourage you to contact us.
Our Services offer a platform that provides you with access to information and third-party providers of products and services. We do not endorse or recommend any of these providers, and do not act as an agent with respect to such providers or with respect to you. We do not investigate, guaranty or certify that such providers are appropriately licensed, certified, or otherwise qualified to offer these products and services. You agree that you are solely responsible to investigate these providers, and that you are solely responsible and liable for any products or services they may provide you that may give rise to costs, damages, liabilities, fees, or fines. We suggest that you seek the consult of financial advisers, insurance agents, or other qualified professionals who may be fully aware of your individual circumstances and needs prior to making any financial or insurance purchasing decisions. You agree that you are relying solely on your judgment and that of your advisors in purchasing products or services through our Services or based on information provided by our Services.
Intellectual Property Rights
Our names, graphics, and logos used in connection with our Services, service marks, icons, page headers, page layouts, scripts, and unique terminology are our trademarks and trade dress (collectively, “Proprietary Marks”) in the United States and other countries. You may not use our Proprietary Marks without our express and written permission. Next makes no proprietary claim to any third-party names, trademarks, or service marks appearing on our Services as such rights related to these names, trademarks, or service marks belong to their respective owners.
Any information, advice, data, software, or other content, which may be contained in or downloaded from our Services (collectively, “Content”), including, but not limited to, all text, graphics, charts, images, videos, line art, icons, and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. We also own copyrights to a collective work in the selection, coordination, arrangement, organization, navigation, presentation, display, and selective alteration of the Content (“Collective Work”). All software used in providing or supporting our Services (“Software”) is our property or the property of our software vendors and is protected by United States and international copyright laws. Any access you may have, including but not limited to, viewing, reading, printing, downloading or otherwise using the Content, Collective Work, or Software does not waive any of our rights and does not entitle you or any third party to any ownership or intellectual property rights.
No Third-Party Beneficiaries
These Terms are between you and Next, and no provision within these Terms confers any implied or express right in any third party. These terms do not provide you with any authority to bind Next in any way.
You may not transfer, assign, or license your rights under these Terms without our prior express and written consent.
Void Where Prohibited
Our Services are intended for use for those areas in the United States where we, our affiliates, our partner insurers, our brokers, or our agents are licensed and permitted to sell our products and services. Although our Services may be accessed by users in other locations, any offer or transaction for any feature, product, or service is void where prohibited by law.
Our Services Are Not Intended for Minors
Our Services are not directed at minors, that is, persons younger than 18 years old. If you are not at least 18 years old, please do not provide attempt to access our services. We do not knowingly contact or collect personal information from persons under 18 years old, and such a person should not provide us with his or her personal information.
Governing Law and Jurisdiction
You agree that these Terms (and incorporated Privacy Statement and Cookies Notice) are governed and interpreted by the laws of the State of California without regard to principles of conflicts of law. By using our Services, you agree to personal and exclusive jurisdiction of the state and federal courts of California in order to resolve any dispute arising from your use of the Services, including but not limited to the enforcement of any arbitration award. You further agree to waive any objection to such jurisdiction or venue.
Arbitration Agreement and Waiver of Class Remedies
1. Arbitration Agreement
Any controversy or claim arising out of or relating to this Agreement shall be finally resolved by binding arbitration following the parties’ best efforts to settle such dispute, claim, question or disagreement. If a binding arbitration occurs, it shall be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and its procedures for consumer disputes, except for any rules or procedures permitting class actions or otherwise contradictory to these Terms. An arbitrator shall wield exclusive authority to resolve all disputes, including whether this or any other provision contained in these Terms is void or voidable. The arbitrator’s award shall be binding and entered as a judgment in any court of competent jurisdiction and in accordance with the Governing Law and Jurisdiction clause of these Terms.
The parties understand that, absent this Arbitration Agreement provision, they may otherwise have the right to sue in a court of law, and may have the right to a trial by jury. While arbitration is intended to be more cost-effective, in some instances the cost of litigation may exceed the cost of civil litigation in a court. Moreover, the rules and procedures of arbitration may limit discovery.
2. Waiver of Class Remedies
The parties agree that any arbitration shall be conducted only in their individual capacities, and the parties expressly forego the right or option to file or join a class action or other representative action. Should any court or arbitrator determine that the class action waiver set forth in this section is void or otherwise unenforceable, or that an arbitration can proceed on a class basis, then the arbitration provision shall be deemed null and void in its entirety, and the parties shall be deemed to have not agreed to arbitrate any dispute.
3. Exception: Litigation of Small Claims Court Claims
Notwithstanding the parties’ decision to resolve all disputes through arbitration, relief may also be sought in a small claims court for disputes or claims within that court’s jurisdiction—subject to the Governing Law and Jurisdiction clause of these Terms.
4. Thirty Day Right to Opt Out
You have the right to opt out and not be bound by the arbitration agreement and class action provisions of this section by sending written notice of your decision to opt out to the following address: PO Box 60787, Palo Alto, CA 94306. Such notice must be sent within thirty (30) days of registering to use our Services, or else you shall be bound to arbitrate disputes in accordance with these Terms. Any such opt out shall be mutual. We reserve the right to terminate your use of our Services should you opt out.
No Oral Modification
These Terms may not be modified through oral agreement or statements. The individual employees of Next, Next’s partners, and Next’s third-party affiliates are not authorized to modify these Terms except by the mechanism stated herein. Any employee offering to modify these Terms is not acting as an agent of Next or with proper authority to bind Next. You agree not to rely on any statement, written or oral, by any employee or agent of Next or any third party with respect to modification or interpretation of these Terms.
Except as otherwise provided herein, in the event that any provision contained within these Terms shall be deemed to be unenforceable, invalid, or unambiguous, such provision shall be limited or discarded to the minimum extent necessary so that the remaining provisions of these Terms remain in full force and enforceable.
Neither party shall be deemed to have waived, in whole or in part, any of its rights granted herein by its failure to exercise, in whole or in part, any right herein.
Neither party shall be responsible for any delay or failure in any performance due to acts of God, war, warlike conditions, blockade, embargoes, riots, government restriction, labor disturbances, unavailability of anticipated usual means of supplies, wrecks, epidemics, quarantine, fire, flood, earthquake, explosion, any unforeseen change in circumstances, or any other causes beyond the parties’ reasonable control.
These Terms and only those Policies or Notices expressly incorporated by reference herein constitute the entire agreement of the parties, and supersede any prior or contemporaneous agreements, understandings, warranties, or understandings, whether written or oral, whether express or implied, with connection to our Services.
Notification of Changes
At its discretion, Next may amend these Terms from time to time. We will post any such material changes to our website along with a notice indicating that these Terms have changed at least thirty (30) days prior to the effective date of these changes, when practicable. Should we materially change the Terms, you may cancel your account with us by contacting us in accordance with the “Contact Next” provision of these Terms before the effective date of the modified Terms. You will not be bound by the updated Terms if you cancel your account within this time period.
In the event Next may choose or become obligated to provide you with notices under or related to these Terms, you consent to receive such notices or related communications by Next posting them on its website, by sending them to you via an email address you provided, or by sending them to a postal address you provided, at our discretion. You further agree that any such communication as described herein satisfies any legal requirement that the communication must be provided in writing.
If you have any questions about these terms or wish to notify us in relation to your use of our Services, you may contact Next by email at email@example.com, or by postal mail at: PO Box 60787, Palo Alto, CA 94306.