Hardaway’s Insurance & Financial Service Terms & Conditions of Use

Effective September 30, 2009
Updated October 1, 2024

Please read these terms and conditions of use carefully before using this website

Thank you for visiting this site ("Website," "Site," or "App"). The Site is owned and operated by Hardaway’s Insurance & Financial Service LLC ("HIFS," "we," "us," or "our"). The terms and conditions of use detailed below (the "Terms of Use") govern your access to and use of our Site and the services that we make available to you through the Site (the "Services"). These Terms of Use are a legal contract between you and HIFS. By accessing or using the Site or any of the Services, you hereby agree to these Terms of Use, and you warrant that you are at least 18 years of age. If you do not agree with these Terms of Use, in whole or in part, please do not continue to use the Site or the Services.

Note as well that this Site uses cookies and similar tracking technologies to recognize you, to customize your online experience, to provide you with products and services tailored to your interests, and to help us improve the Site. To learn more about cookies and the other tracking technologies we use, as well as to select your preferences, please refer to HIFS’s Privacy Policy.

Our Terms of Use are effective as of the last updated date specified above. We reserve the right to change our Terms of Use from time to time, at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of our Site or Services after any such change will constitute your acceptance of any modified terms.

The services

The Services are provided "as is". Free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance and financial related decisions. Most information provided through the Service is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.

The Services include incorporation of third-party insurance products, brokers, and carriers in the form of an advertisement, insurance quote, online purchase, email, phone call, text message, or any other marketing medium. This serves as notice that you may have third-parties contact you on our behalf.

The Services also include formal quoting, brokering, and transacting of first-and-third-party insurance products. We are a licensed insurance agency.

Any quotes, or quote-ranges provided on the Site or over the phone are non-binding. The final insurance policy premium for any policy is determined following application by the underwriting insurance company. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.

At times, Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third-parties. Any third-party insurance products purchased by you through the Site are subject to the contract terms of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any insurance policy terms, the terms of the insurance policy will control.

Mobile Terms & Conditions

You agree to receive insurance quotes and related alerts from Hardaway’s Insurance & Financial Service Insurance Shopper Alerts through your mobile device. Message and data rates may apply. By providing your mobile phone number, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. By signing up, you are confirming you are over the age of 18.

Stop Information

Text STOP to stop receiving HIFS Insurance Shopper Alerts messages from HIFS

(you will receive a confirmation text).

Help Information

For additional information, contact us at 910-848-0074.

We take your privacy seriously. Please review our Privacy Policy.

User conduct

You promise NOT to use this Site for any of the following purposes or activities: Conducting or supporting illegal activity of any type whatsoever; transmitting or storing worms or viruses or any code of a destructive nature; threatening, harassing, abusing, impersonating, injuring or intimidating others; interfering with others' use of this Site, unless such interference is for the purpose of complying with another section of these Terms of Use; delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements; decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this Site; disguising the origin of any content transmitted through this Site or manipulating your presence on the Site; and/or causing the launch of any automated system(s) that accesses this Site in a manner that sends more request messages to servers of the Site in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser.

Intellectual property

The Site contains material, such as text, graphics, images, photos and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us. These materials and information are collectively referred to herein as the "Content." The Content is owned by us and/or our licensors and may be protected under both United States and foreign copyright laws and treaties. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Site, which are registered and unregistered trademarks or service marks of ours or our licensors. Moreover, the organization and design of the Site are the property of HIFS and are protected worldwide by copyright laws and treaty provisions.

You shall not, without our written permission in each instance: use any trademarks, service marks or logos in any manner; copy or use the Content for any purpose; remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or use or post or publish the Content.

Nothing contained in these Terms of Use shall be construed as conferring any license or right to any trademark or other intellectual property right of HIFS or any other party. HIFS and the stylized "HIFS" design are registered trademarks of HIFS. All other trademarks, trade names, service marks and logos displayed throughout the Site are the property of HIFS, licensed by HIFS, or owned by third parties. You shall not display, use as a link, use as a meta tag, or otherwise use any of the trademarks, trade names, service marks and logos displayed throughout the Site without the prior written consent of the owner of the trademark, trade name, service mark and logo.

Unsolicited information

We provide Services for inquires and peer-to-peer interaction, and you are solely responsible for your use of these Services. By submitting any unsolicited information and materials, including comments, ideas, questions, and other similar communications, ("Unsolicited Information") you agree to be bound by the following terms and conditions. All Unsolicited Information will be considered NON-CONFIDENTIAL and NON-PROPRIETARY and will become HIFS's property upon its submission. We are entitled to use such communication or material for any purpose whatsoever, commercial or otherwise, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and further posting, without any compensation to the provider of the Unsolicited Information. Further, we are free to use any ideas, concepts, know-how, or techniques contained in any communication or material you send to the site for any purpose whatsoever, commercial or otherwise, including, but not limited to, developing, manufacturing, and marketing products. By submitting any Unsolicited Information, you are granting us a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer and sell such Unsolicited Information. Notwithstanding the foregoing, any personal information you submit to HIFS through the pages located on the Site will be held in confidence by us as set forth in our Privacy Policy.

Privacy and Security

Hardaway’s Insurance & Financial Service  respects your privacy. Your use of the Site and our Services transmits information, and possibly personal information about you. Any collection use, disclosure, sale, sharing, and retention of personal information (“Information Practices”) will be governed by our Privacy Policy, US Consumer Privacy Notice, and any other applicable notices which can be found in our Privacy Center. We will not use or disclose any personal information to third parties for any purposes other than those described in our Privacy Policy. HIFS may cooperate with and disclose information (including your account information) to any authority, government official or third party, without giving any notice to you, in connection with any investigation, proceeding or claim arising from an asserted illegal action or infringement whether related or unrelated to your use or misuse of the Site. It is important that you read and understand the terms of our Privacy Policy.

For your protection, HIFS requires the use of encryption technologies for certain types of communications conducted through this Site. While we provide those technologies and use other reasonable precautions to protect your confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. In addition, we cannot take responsibility for the content, privacy policies, or practices of External Sites that may be accessed through the use of this Site.

Cookies

This Site uses cookies and similar tracking technologies to recognize you and to customize your online experience. To learn more about cookies and the other tracking technologies we may utilize, please refer to our Privacy Policy, which includes an overview of cookies and provides further details about how we use cookies and how to control our use of cookies.

Children

Our Services are directed towards individuals able to shop, apply, or enroll in the financial service products we offer. Our Services are not directed at nor intended for unemancipated minors or children under the age of 16. We also do not knowingly collect personal information from minors.

Warranty Disclaimer and Limitation of Liability

YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT.

MANY INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD-PARTY PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS OF THE INSURANCE CARRIER PROVIDING SUCH PRODUCTS.

IN NO EVENT SHALL WE BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, ANY SERVICE, OR ANY CONTENT IS TO STOP USING THE SAME.

External sites

The Site may contain links to third-party websites, including, without limitation, the websites of the insurance carriers offering the third-party insurance products made available to you through the Services ("External Sites"). We have no control over the External Sites, and we do not endorse and we are not responsible for the content of any linked External Sites. We are not responsible or liable for the actions, products or content of the External Sites, as they are provided for your convenience and are to be accessed entirely at your own risk. We make no warranties or representations as to any content in, or goods, products or services offered through such External Sites. You expressly agree that HIFS is not responsible for any losses or damages in connection with your access to, use of, or inability to use, such External Sites, or the contents or goods, products or services offered through the External Sites. We do, however, seek to protect the integrity of our Site and welcome any feedback about external links, including information regarding a broken link.

The Site may include interactive social media features (such as the Facebook "Like" button and Widgets, such as the "Share This" button) or other interactive mini-programs that run on our Site and connect to External Sites (collectively the "Features"). The Features may collect your IP address, which page you are visiting on our Site and may set a cookie to enable the Features to function properly. The Features are either hosted by a third party or hosted directly on our Site. Your interactions with the Features are governed by the privacy policy of the External Site providing them. Before using any External Site, please refer to the terms of use and privacy policies of the External Sites for more information.

Availability

Not all of the products or Services described on this Site are available in all areas of the United States and you may not be eligible for them. We reserve the right to determine eligibility.

Indemnification

You shall defend, indemnify, and hold us and our officers, directors, employees, successors, licensees, and assigns harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of these Terms of Use; or (ii) your access to, use, or misuse of the Site, any Services or any Content.

Governing Law

We control and operate the Site from our offices within the State of Washington, United States of America, and these Terms of Use shall be governed by, and construed in accordance with, the laws of the United States and the State of Washington, without giving effect to conflict of law principles thereof. You are solely responsible for compliance with all applicable laws and regulations that may govern your access and use of the Site. Except for proceedings commenced by us to protect our intellectual property or confidential information which may be brought in any court of competent jurisdiction, the parties mutually agree that any and all disputes arising hereunder shall be resolved exclusively by state or federal courts located in King County, Washington.

Termination

We may terminate these Terms of Use and your access to all or any part of the Site or the Services at any time and for any reason without prior notice and without liability to you or anyone else. We reserve the right to change, suspend, or discontinue all or any part of the Site or the Services at any time without prior notice or liability.

You may be able to deactivate your account You may deactivate/terminate your account by navigating to the Settings section of your Member Portal.

Miscellaneous

In the event that any portion of these Terms of Use is held to be invalid or unenforceable, then such portion shall be construed in accordance with the applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of these Terms of Use shall remain in full force and effect.

The Terms of Use relating to this section, the sections entitled Indemnification, Warranty Disclaimer and Limitation of Liability, Intellectual Property, and Governing Law shall survive the termination of these Terms of Use. You may not assign these Terms of Use. No waiver shall be effective unless in writing. Neither the course of conduct between parties nor trade practice shall act to modify any provision of these Terms of Use.

These Terms of Use contain the entire agreement of the parties concerning the subject matter hereof and supersede all existing agreements and all other oral, written or other communication between the parties concerning its subject matter.

If you have any questions, or would like additional information about the Terms of Use, please visit http://www.hardawaysinsurance.com