Effective Date: These Terms and Conditions are effective as of the date they are published and apply to all access and use of NonOwnerSR22Insurance.com.
Agreement to Terms
These Terms and Conditions constitute a legally binding agreement between you and NonOwnerSR22Insurance.com governing your access to and use of this website, including all content, features, and services available through the site.
By accessing or using NonOwnerSR22Insurance.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these terms, you must not access or use this website.
We reserve the right to modify these Terms and Conditions at any time. Changes become effective immediately upon posting to this website. Your continued use of the website after any modifications constitutes acceptance of the revised terms. We encourage you to review these terms periodically.
Description of Website
NonOwnerSR22Insurance.com is an informational website that provides educational content about SR-22 insurance, non-owner SR-22 insurance, non-owner car insurance, and related auto insurance topics in the United States.
This website is intended for general informational and educational purposes only. We are not an insurance company, insurance agency, or insurance broker. We do not sell, solicit, negotiate, or bind insurance policies. We do not provide insurance quotes or facilitate insurance transactions.
The information on this website does not constitute legal advice, financial advice, insurance advice, or any other form of professional advice. The content is not a substitute for consultation with licensed professionals who can evaluate your individual circumstances.
Eligibility
By using this website, you represent and warrant that:
- You are at least 18 years of age or the age of majority in your jurisdiction, whichever is greater
- You have the legal capacity to enter into these Terms and Conditions
- You will use this website only for lawful purposes and in accordance with these terms
- All information you provide to us is accurate and complete
If you are using this website on behalf of an organization, you represent and warrant that you have authority to bind that organization to these Terms and Conditions.
Permitted Use
Subject to these Terms and Conditions, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use this website for personal, non-commercial informational purposes.
You may:
- View, read, and print content from this website for your personal, non-commercial use
- Share links to pages on this website
- Use information obtained from this website to inform your personal decisions, subject to the disclaimers and limitations stated herein
This license does not include the right to:
- Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content obtained from this website without prior written permission
- Use any automated means to access, monitor, or copy content from this website
- Use this website for any commercial purpose without our express written consent
Prohibited Conduct
You agree not to engage in any of the following prohibited activities:
Unauthorized Access
- Attempting to gain unauthorized access to any portion of this website, other accounts, computer systems, or networks connected to this website
- Using any robot, spider, scraper, or other automated means to access this website without our express written permission, except for standard search engine indexing
- Circumventing, disabling, or otherwise interfering with security-related features of this website
Harmful Activities
- Uploading, transmitting, or distributing any viruses, worms, malware, or other harmful code
- Interfering with or disrupting the integrity or performance of this website or the data contained therein
- Attempting to probe, scan, or test the vulnerability of this website or any related system or network
Misuse of Content
- Using content from this website to create competing products or services
- Removing, altering, or obscuring any copyright, trademark, or other proprietary notices
- Misrepresenting the source, identity, or content of information obtained from this website
- Using this website to collect or harvest personal information about other users
Unlawful Activities
- Using this website for any purpose that is unlawful or prohibited by these terms
- Violating any applicable local, state, national, or international law or regulation
- Engaging in any activity that could damage, disable, overburden, or impair this website
User Responsibilities
You are solely responsible for:
- Evaluating the accuracy, completeness, and usefulness of any information obtained from this website
- Verifying information with official state agencies, licensed professionals, and other authoritative sources before making decisions
- Any consequences resulting from your reliance on information provided on this website
- Maintaining the confidentiality of any account credentials if you create an account
- All activities that occur under your account or through your use of this website
- Ensuring your use of this website complies with all applicable laws and regulations
You acknowledge that:
- Insurance requirements vary by state and individual circumstances
- Information on this website may not reflect current laws or regulations in your jurisdiction
- General information cannot substitute for professional advice tailored to your specific situation
- We cannot guarantee the accuracy, completeness, or timeliness of information on this website
Intellectual Property Rights
Our Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of NonOwnerSR22Insurance.com or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
The compilation of all content on this website is the exclusive property of NonOwnerSR22Insurance.com and is protected by United States and international copyright laws.
Our trademarks, service marks, trade names, and logos may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion, or in any manner that disparages or discredits us.
Limited License
The limited license granted to you under these Terms and Conditions does not transfer any ownership rights in the content or intellectual property of this website. All rights not expressly granted herein are reserved.
User Submissions
If you submit any content to this website, including but not limited to comments, feedback, suggestions, or questions, you grant NonOwnerSR22Insurance.com a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.
You represent and warrant that you own or control all rights to content you submit and that such content does not violate the rights of any third party.
Disclaimer of Warranties
THIS WEBSITE AND ALL CONTENT, INFORMATION, MATERIALS, AND SERVICES PROVIDED THROUGH THIS WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NONOWNERSR22INSURANCE.COM DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
- IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
- WARRANTIES THAT THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
- WARRANTIES THAT THE CONTENT WILL BE ACCURATE, COMPLETE, RELIABLE, OR CURRENT
- WARRANTIES THAT DEFECTS WILL BE CORRECTED
- WARRANTIES THAT THIS WEBSITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THIS WEBSITE OR ANY HYPERLINKED WEBSITE.
YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. YOU ASSUME FULL RESPONSIBILITY FOR ANY COSTS ASSOCIATED WITH SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF THIS WEBSITE.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NONOWNERSR22INSURANCE.COM, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY:
Direct Damages
- Arising from your use of or inability to use this website
- Resulting from any information, content, or services obtained through this website
Indirect Damages
- Indirect, incidental, special, consequential, or punitive damages
- Loss of profits, revenue, data, use, goodwill, or other intangible losses
- Damages resulting from unauthorized access to or alteration of your transmissions or data
Third-Party Actions
- Conduct of any third party on or related to this website
- Content or conduct of any third-party websites linked from this website
- Any transaction or relationship between you and any third party
THESE LIMITATIONS APPLY REGARDLESS OF:
- The legal theory upon which the claim is based (contract, tort, negligence, strict liability, or otherwise)
- Whether we have been advised of the possibility of such damages
- Whether the damages were foreseeable
- Whether any remedy fails of its essential purpose
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, TO ACCESS THIS WEBSITE.
Indemnification
You agree to indemnify, defend, and hold harmless NonOwnerSR22Insurance.com, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney’s fees) arising from:
- Your use of and access to this website
- Your violation of any provision of these Terms and Conditions
- Your violation of any third-party right, including without limitation any copyright, trademark, property, or privacy right
- Any claim that content you submitted caused damage to a third party
- Your violation of any applicable law, rule, or regulation
This indemnification obligation will survive the termination of these Terms and Conditions and your use of this website.
Third-Party Links and Content
This website may contain links to third-party websites, resources, or services that are not owned or controlled by NonOwnerSR22Insurance.com. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
The inclusion of any link does not imply endorsement, approval, or affiliation with the linked site or its operators.
You acknowledge and agree that:
- We are not responsible or liable for any damage or loss caused by or in connection with your use of any third-party websites, services, or content
- Your interactions with third-party websites are solely between you and the third party
- You should review the terms and privacy policies of any third-party websites you visit
We strongly advise you to read the terms of service and privacy policies of any third-party websites or services that you access through links on this website.
Third-Party Services
This website may use third-party services for hosting, analytics, functionality, or other purposes. These services may have their own terms of service and privacy policies.
By using this website, you acknowledge that third-party service providers may collect certain information as described in our Privacy Policy.
We are not responsible for the performance, actions, or failures of third-party service providers.
No Professional Relationship
Use of this website does not create any professional-client relationship between you and NonOwnerSR22Insurance.com or any person associated with this website. This includes but is not limited to attorney-client, insurance agent-client, financial advisor-client, or any other professional relationship.
Communications through this website, including through contact forms or email, do not create a professional relationship or any duty of confidentiality.
Accuracy of Information
While we make reasonable efforts to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, reliability, or timeliness of any content on this website.
Information may contain errors, omissions, or inaccuracies. Information may become outdated due to changes in laws, regulations, or industry practices.
You should not rely solely on information from this website when making decisions about insurance, legal compliance, or related matters. Always verify information with official state agencies and consult licensed professionals for advice specific to your situation.
Modifications to Website
We reserve the right, at our sole discretion, to:
- Modify, suspend, or discontinue this website or any part thereof at any time without notice
- Change, update, or remove content at any time without notice
- Impose limits on certain features or restrict access to parts or all of the website without notice or liability
- Modify these Terms and Conditions at any time
We shall not be liable to you or any third party for any modification, suspension, or discontinuance of this website.
Termination
We may terminate or suspend your access to this website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions.
Upon termination:
- Your right to use this website will immediately cease
- All provisions of these Terms and Conditions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability
Governing Law
These Terms and Conditions and any dispute or claim arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the laws of the United States and the state in which NonOwnerSR22Insurance.com operates, without regard to conflict of law provisions.
Dispute Resolution
Any dispute, controversy, or claim arising out of or relating to these Terms and Conditions, or the breach, termination, or invalidity thereof, shall be resolved through good faith negotiations between the parties.
If the dispute cannot be resolved through negotiation, the parties agree to attempt to resolve the dispute through mediation before pursuing any other form of dispute resolution.
You agree that any legal action or proceeding arising out of or related to these Terms and Conditions or your use of this website shall be brought exclusively in the courts located in the state in which NonOwnerSR22Insurance.com operates, and you consent to the personal jurisdiction of such courts.
Waiver of Class Actions
TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY PROCEEDINGS TO RESOLVE DISPUTES WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.
Severability
If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms and Conditions.
The remaining provisions shall continue in full force and effect, and the invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its intent.
Waiver
No waiver of any term or condition of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision.
Any waiver of any provision of these Terms and Conditions will be effective only if in writing and signed by an authorized representative of NonOwnerSR22Insurance.com.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy and any other legal notices published by us on this website, constitute the entire agreement between you and NonOwnerSR22Insurance.com concerning your use of this website.
These Terms and Conditions supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and us with respect to this website.
Assignment
You may not assign or transfer these Terms and Conditions, by operation of law or otherwise, without our prior written consent. Any attempt to assign or transfer these Terms and Conditions without such consent will be null and void.
We may freely assign or transfer these Terms and Conditions without restriction. Subject to the foregoing, these Terms and Conditions will bind and inure to the benefit of the parties, their successors, and permitted assigns.
Headings
The headings in these Terms and Conditions are for convenience only and have no legal or contractual effect.
Contact Information
If you have questions about these Terms and Conditions, please contact us through the contact information provided on our Contact page.
Please note that we cannot provide legal, financial, or insurance advice. Inquiries seeking such advice will not receive substantive responses.
Acknowledgment
BY USING NONOWNERSR22INSURANCE.COM, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS, UNDERSTOOD THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU ARE NOT AUTHORIZED TO USE THIS WEBSITE.
These Terms and Conditions were established to govern the use of this website and to protect both users and NonOwnerSR22Insurance.com. We encourage all users to read these terms carefully before using our website.
