Privacy Policy

Truffle Insurance Group LLC Terms of Service and Other Notices

Last updated: January 3, 2023 

Acceptance

Please read these terms and conditions (“Terms”) of use carefully before using or obtaining any materials, information, or services through this site. Truffle Insurance Group LLC, an Illinois limited liability company (“Truffle,” “we,” or “us”) provides access to and use of this website (“Site”) subject to your acceptance of these terms and conditions. References to “you” in these Terms means you, your duly authorized representatives and any entity you may represent in connection with your use of our Services (as defined herein).

By accessing, using, or obtaining any data, materials, information, products, services, or other content (collectively, “Content”) through this Site, you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use this Site and cease your current access. You should review these Terms prior to purchasing any product or services that are available through this Site. Your continued use of this Site after the last updated date will constitute your acceptance of and agreement to such changes.

Intellectual Property Rights and Trademarks

Truffle and its content providers (“Providers”) own and have copyrights on this Site and all of the Content, which is protected by United States copyright laws and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of Truffle. Trademarks, logos, and service marks displayed on this Site (“Marks”) are the registered or common law Marks of Truffle or its Providers. Your use of and access to this Site does not grant you any license or right to use any of the Marks. 

Insurance Services; Licensing

Truffle and its affiliates are licensed as independent insurance brokers or agents in various states, not insurance providers.  The terms and conditions of any insurance product offered to you are provided by the Providers based on their underwriting and may vary based on a number of factors solely as determined by the insurers. For Pet Insurance products, the Pet Insurance is underwritten by National Specialty Insurance Company and is produced and white labeled by Truffle Insurance Group LLC as an independent broker. Except as otherwise set forth herein, we receive compensation based on the premiums for the insurance policies that we sell. This Website is not intended as a solicitation for insurance in any state or province where Truffle or its affiliates are not licensed.

Our Services include content, tools, links and recommendations intended to provide you with decision support related to insurance. All information provided to you through your use of this Service is provided for general informational and educational purposes.  The Services may also include our preparation of quotes and brokering and transacting of sales to you of third-party insurance products.  We do not underwrite any insurance policy made available to you through the Services. Any insurance policy premium quotes or ranges displayed on the Site or through the Services are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. 

Your use of certain Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third-party insurance carriers. Any third-party insurance products purchased by you through the Site are subject to the terms and conditions of the applicable insurance carrier. In the event of a conflict between these Terms and the terms of any such other terms, the terms of such other terms will control.

Not all of the products or services described on the 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. By accessing or using our Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to the Terms please do not access the Site or otherwise use our Services or any information contained herein.

The terms and conditions of any insurance product offered to you are provided by the Providers based on their underwriting and may vary based on a number of factors solely as determined by the insurers. We don’t provide advice or endorse insurance products or Providers that appear on our website or other communication channels. As a result, it is your sole discretion whether to take out a policy based on a quote you get through our Services and to make sure the policy that is of interest to you meets your specific needs.

Use

Subject to these Terms and our policies (including policies made available to you with the services), we grant you a limited, non-transferable, non-exclusive, and revocable permission to access and use the Site and our services, provided that: (i) you will not copy, distribute or modify any part of the Services without our prior written authorization; (ii) you will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.: (iii) you will not transmit any content which contains software viruses, or other harmful computer code, files or programs; (iv) you will not disrupt servers or networks connected to the Services; and (v) you will comply with these Terms.

You acknowledge that (i) the Site contains proprietary information including third party proprietary information, that is protected by law; (ii) we may block, suspend or terminate your use of the Site for your failure to adhere to the Terms; (iii) your ability to use of some features of the Site will cease upon termination of your corresponding insurance policy. Using our Services does not give you ownership of any intellectual property rights in our services or the content you access (other than your User Content), which shall remain with us and our respective licensors.

By using this Site you warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. If you less than 18 years of age you may not use this Site. 

You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Site. You may not use this Site for any false or fraudulent purpose. You are also forbidden from using this Site to post or transmit 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. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Site or take any action that imposes an unreasonable load on Truffle’s computer equipment. You may not use this Site for any commercial, financial or other similar purpose without the express prior written consent of Truffle. Finally, you may not use this Site for any purpose that is unlawful or otherwise prohibited by these Terms. Truffle reserves the right, at any time and without advance notice or liability, to terminate your access to this Site or any component therein.

License Grant by You to Truffle

By uploading User Content, you are granting Truffle a license to display, perform and distribute your User Content and to modify (for technical purposes), and reproduce such User Content to enable Truffle to perform its services. You agree that these rights and licenses are royalty free, worldwide, and irrevocable, and include a right for Truffle to make such User Content available to, and pass these rights along to, others with whom Truffle has contractual relationships related to the provision of the Truffle service, solely for the purpose of providing such services, and to otherwise permit access to or disclose your User Content to third parties if Truffle determines such access is necessary to comply with its legal obligations.

Payment Services

Except for payments made to our Truffle Paws Site, we use Basis Theory, and in turn the Basis Theory API, as the manner of transmitting your payment information to our agents. Our agents then provide that payment information to the carrier. The terms of your use of Basis Theory and the Basis Theory API is governed by their Terms of Service.  When you provide payment information in conjunction with the Services, you represent and warrant that the information is accurate, that you are authorized to use the payment method provided, and that you will notify us of changes to the payment information. You shall not process stolen credit cards, or unauthorized credit cards through Basis Theory and/or Your account with us. We reserve the right to utilize third party credit card updating services to obtain current expiration dates on credit cards.

You understand and agree that we shall not be liable for any payments and monetary transactions that occur through Your use of the Service. You expressly understand and agree that the transfer of payment information is handled by Basis Theory, and that we shall not be liable for any issues regarding financial and monetary transactions between You and any other party, including Basis Theory.

Truffle Paws Payment Services

When you provide payment information in conjunction with the Services related to Truffle Paws and any services related to pet insurance, you represent and warrant that the information is accurate, that you are authorized to use the payment method provided, and that you will notify us of changes to the payment information. You shall not process stolen credit cards, or unauthorized credit cards through Stripe and/or Your account with us. We reserve the right to utilize third party credit card updating services to obtain current expiration dates on credit cards.

We use Stripe, the Stripe API, and in conjunction, your Stripe account, as our third-party payment processor to process credit and debit card transactions. By using our Services and agreeing to these Terms and Conditions, You also agree to be bound by Stripe’s Terms of Service.

You understand and agree that we shall not be liable for any payments and monetary transactions that occur through Your use of the Service. You expressly understand and agree that all payments and monetary transactions are handled by Stripe, and that we shall not be liable for any issues regarding financial and monetary transactions between You and any other party, including Stripe.

You are responsible for all transactions (one-time, recurring, and refunds) processed through the Service and/or Stripe. We are not liable for loss or damage from errant or invalid transactions processed with Your Stripe account. This includes transactions that were not processed due to a network communication error, or any other reason. If You process a transaction, it is Your responsibility to verify that the transaction was successfully processed.

You understand that we use the Stripe API to run the Service and that the Stripe API is subject to change at any time and such changes may adversely affect the Service. You understand and agree to not hold us liable for any adverse affects that actions (whether intentional or unintentional) on the part of Stripe may cause to Your Stripe account, Your account with us, or to you or Your business.

Unauthorized Use

You agree not to use the Services or any aspect or feature thereof for any unlawful purpose or in any way that might harm, damage, or disparage any other party. Without limiting the preceding sentence, you agree that you will: (i) review and comply with these Terms and the Privacy Notice; (ii) comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements; (iii) provide accurate information to us and update it as necessary; and (iv) act honestly and in good faith. 

By using the Services you agree not to: (i) create an account for anyone other than yourself (unless you represent a company, organization, legal entity or brand); (ii) verbally abuse, threaten, harass, intimidate, defame, bully, employ hate speech or otherwise threaten to harm any employee or agent of the company; (iii) attempt to use another person’s account or create a false identity; (iv) duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found in the Services, except as permitted in these Terms, or as expressly authorized by us; (v) reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof; (vi) utilize or copy information, content or any data you view on or obtain from the Services to provide any service that is competitive, in our sole discretion, with the Services; (vii) adapt, modify or create derivative works based on the Services or technology underlying the Services, in whole or part; (viii) rent, lease, loan, trade, sell/resell any information in the Services, in whole or part; (ix) use the communication systems provided by the Services for any commercial solicitation purposes; (x) sell, sponsor, or otherwise monetize any service or functionality in the Services, without our express written consent; (xi) remove any copyright, trademark or other proprietary rights notices contained in or on the Services (whether ours or our licensors’); (xii) remove, cover or otherwise obscure any form of advertisement included on the Services; (xiii) collect, harvest, use, copy, or transfer any information, including, but not limited to, personally identifiable information obtained from the Services (excluding your User Content, and except if the owner of such information has expressly permitted the same); (xiv) share other users’ or third party’s information or their User Content without their express consent; (xv) infringe or use our brand, logos or trademarks in any business name, email, or URL except as expressly permitted by us; (xvi) use or launch any manual or automated system or software, devices, scripts robots, other means or processes to access, “scrape,” “crawl,” “cache,” “spider” or any web page or other service contained in our Services, or to access the Services in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser; (xvii) use bots or other automated methods to access the Services, add or download contacts, send or redirect messages, or perform other similar activities through the Services; (xviii) access, via automated or manual means or processes, the Services for purposes of monitoring its availability, performance or functionality for any competitive purpose; (xix) engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Site; (xx) attempt to or actually access the Services by any means other than through the interfaces provided by us. This prohibition includes accessing or attempting to access the Services using any third-party service, including software-as-a-service platforms that aggregate access to multiple services; (xxi) engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on the Services’ infrastructure, including, but not limited to, sending unsolicited communications to other users or our personnel, attempting to gain unauthorized access to the Services, or transmitting or activating computer viruses, Trojan horses, worms, time bombs or any other harmful or deleterious software programs through or on the Services; (xxii) interfere or disrupt or game the Services, including, but not limited to any servers or networks connected to the Services, or the underlying software; and/or (xxiii) otherwise violate the Terms

Privacy

We respect your privacy and are committed to protecting it. Our Privacy Policy, governs the processing of all personal data collected from you in connection with your purchase of products or services through the Site. 

Electronic Transmissions

By accepting the receipt of electronic transmissions, you voluntarily agree to have all records, including your current and future insurance related documents, provided to you in electronic form. Insurance related documents include, but are not limited to:

• Your insurance policy and all documents, notices and correspondence related to your insurance policy. This could include ID Cards, applications, amendments, endorsements, illustrations, questionnaires, disclosures, and reports;

• Bills, billing notices, payment schedules or any other correspondence related to premium payments;

• Claim notices, disclosures, status letters, forms, and correspondence concerning a claim that arises under your policy or involves you as an insured and/or claimant;

• Legally mandated policies, notices, and disclosures to inform you of our business practices, including notices related to our collection, storage, use, and disclosure of your personal information; and

• Any other documents related to your insurance transactions with us.

We will use various methods to provide communications to you electronically, including via e-mail or through our website. For this second option, you may need to log-in to access the information.

This consent, unless withdrawn, applies to all transactions between you and Truffle. However, you have the right to receive communications from us, including the insurance policy, in paper form if you wish by withdrawing this consent. If you withdraw the consent to provide you with records in electronic form, you will then be provided with records in paper form at no charge.

To withdraw your consent, you can email us any time at support@truffleinsurance.com  with the following subject line “WITHDRAW ELECTRONIC CONSENT.” The body of the email must include your name, policy number, the start date of the policy, named insured’s date of birth, the effective date of your withdrawal and whether you want (a) all communications to be in paper form or (b) your insurance policy to be sent to you in paper form.

To change or correct your email address, you can email us at support@truffleinsurance.com with the following subject line “EMAIL ADDRESS UPDATE”. The body of the email must include your name, policy number, the start date of the policy, named insured’s date of birth and the updated email address. Note our website address is www.truffleinsurance.com. 

Links to Third-Party Websites

Our Site may contain links to other sites on the World Wide Web. When you access a link that takes you to an unaffiliated website, a “pop-up” screen will appear indicating that you are leaving this Site. Links to outside sites do not constitute or imply endorsement by Truffle of the linked site or any material contained within, and we are not responsible or liable for the information contained, or any products or services offered, on such other sites. In addition, we will not and cannot censor or edit the content of any third-party site.  If you access any third party’s website, service, or content from our Services, you do so at your own risk.  By using the Services, you expressly release us (and our owners, employees, agents, affiliates, and/or licensors) from any and all liability arising from your use of any third-party website, information, materials, products, or services. Accordingly, we encourage you to be aware when you have left the Site and to read the terms and conditions and privacy policy of every website that you visit.

Provisions Related To Pet Insurance

California Insurer Disclosure of Important Policy Provisions

Please read Your Policy carefully for complete information on the coverage provided. If there is any conflict between the Policy and this notice, the provisions of the Policy will prevail.

Exclusions

Pre-Existing Conditions

Any Pet Insurance products purchased through us do not cover Pre-existing conditions. Pre-existing conditions means:

A Medical Condition that first occurred or showed Clinical Signs before the effective date of the Policy, as shown on the Declarations Page, or showed Clinical Signs during the Waiting Period.

Congenital Anomalies or Disorders

Our Pet Insurance products do not cover costs or fees for any conditions or disorders present at, and existing from, the birth of Your Pet where Clinical Signs were apparent prior to the effective date of the Policy, as shown on the Declarations Page, or prior to the expiration of the Waiting Period.

Other exclusions may apply. Please refer to the exclusions section of the Policy for more information.

Waiting Period

There is a 15-day Waiting Period from the Pet Policy Effective Date for Injury and Illness and additional Waiting Periods may apply based on additional types of coverages You elect to purchase. Please refer to the Waiting Periods listed on the Declarations Page of Your Policy for more information.

Deductibles

The Deductible is the amount, whether annual or per incident, You are required to pay, per Pet, for Treatments covered by Your Policy before the Insurer begins to reimburse You. Your Deductible is shown on the Declarations Page of Your Policy.

Copayments

The Copayment is the percentage of Your Claim for which You are required to pay after any applicable Deductible amount is applied. Your Copayment is shown on the Declarations Page of Your Policy.

Annual and Lifetime Policy Limits

Your Policy contains an Annual Benefit, which is the most the insurance company will pay during a Policy Period as shown on Your Declarations Page. Your Policy also contains a Lifetime Benefit, which is the most the insurance company will pay during the lifetime of Your Pet, as shown on Your Declarations Page.

Payment of Claims

Reimbursements are based on Your actual veterinary bill. The Insurer determines the total of the covered treatments and multiply that by Your reimbursement level determined by Your Copayment. Thereafter, the Insurer may subtract Your remaining annual Deductible, if any. We provide the following as an example:

$1,200 Covered Treatments

X 90% Your reimbursement level based on Your Copayment

$1,080

-$100 Your remaining annual Deductible

$980 Reimbursable Amount

Benefits Schedules

The below benefit schedules may apply to the coverage afforded under Your Policy, however, whether You choose to purchase certain additional coverages offered will determine whether certain benefit schedules apply. Please consult Your Policy and any endorsements for a complete explanation of Your potentially applicable benefits schedules

Changes to Your Coverage

Your coverage, Copayments and Deductibles may change due to Your Pet’s claims experience. Premium increases may be based on Your Pet’s claims experience.

Please refer to Your Policy and any attached Endorsements carefully for complete coverage details.

Insurance Fraud Warnings

Alabama

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

Alaska

Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

Arizona

For your protection arizona law requires the following statement to appear on this form: any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties

Arkansas

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

California

Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

Colorado

It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. penalties may include imprisonment, fines, denial of insurance, and civil damages. any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.

Delaware

Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

Florida

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

Idaho

Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

Indiana

A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

Kentucky

Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.

Louisiana

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Maine

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. penalties may include imprisonment, fines or a denial of insurance benefits.

Maryland

Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Minnesota

A person who files a claim with intent to defraud, or helps commit a fraud against an insurer, is guilty of a crime.

New Hampshire

Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in rsa 638:20.

New Jersey

Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

New Mexico

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.

Ohio

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Oklahoma

Warning: any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

Oregon

Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.

Pennsylvania

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

Rhode Island

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

Tennessee

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. penalties include imprisonment, fines and denial of insurance benefits.

Texas

Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.

Utah

Any person who knowingly presents false or fraudulent underwriting information, files or causes to be filed a false or fraudulent claim for disability compensation or medical benefits, or submits a false or fraudulent report or billing for health care fees or other professional services is guilty of a crime and may be subject to fines and confinement in state prison. Utah workers compensation claims only.

Virginia

It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. penalties include imprisonment, fines and denial of insurance benefits.

Washington

It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. penalties may include imprisonment, fines, or denial of insurance benefits.

West Virginia

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

All other States

Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.

Products/Quotations

Under no circumstances should you regard any information you may access in this Site as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quotation through this Site does not constitute a binder of insurance coverage or the reporting of a claim. The application may be used by Truffle to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary and Site visitors must carefully review their own insurance policies and consult with their insurance advisors.

Do not rely on our Site for your financial decisions. The content on the Truffle website, and other content is for convenience and information purposes only. Nothing therein should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

Disclosure

We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to: (i) satisfy any applicable law, regulation, legal process, subpoena or governmental request; (ii) enforce these Terms, including investigation of potential violations of it; (iii) detect, prevent, or otherwise address fraud, security or technical issues; (iv) cooperate with law enforcement authorities; (v) respond to user support requests; or (vi) protect our, our users’ or the public’s rights, property or safety.

Disclaimer of Warranties

TRUFFLE AND ITS PROVIDERS MAKE NO WARRANTY OF ANY KIND REGARDING THIS SITE AND/OR THE CONTENT. THIS SITE AND CONTENT ARE PROVIDED “AS-IS”. TRUFFLE EXPRESSLY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THIS SITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED. TRUFFLE FURTHER DISCLAIMS ANY WARRANTY AS TO THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF ANY OF THE CONTENT ON THIS SITE, AND FURTHER EXPRESSLY DISCLAIMS LIABILITY RESULTING FROM OR ARISING OUT OF ANY ERRORS OR OMISSIONS CONTAINED IN THE INFORMATION OR MATERIALS ACCESSED ON OR THROUGH THIS SITE. TRUFFLE AND ITS PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE ABOVE MAY NOT APPLY TO YOU.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (a) YOUR USE OF THE SERVICES AND THE PURCHASE AND USE OF ANY PRODUCTS OR SERVICES ARE ALL AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW. (b) TRUFFLE DOES NOT WARRANT THAT (i) THE SERVICES WILL MEET ALL OF YOUR REQUIREMENTS; (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; OR (iii) ALL ERRORS IN THE SOFTWARE OR SERVICES WILL BE CORRECTED. (c) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER DEVICE OR LOSS OF DATA RESULTING FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL. (d) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM TRUFFLE OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. YOU EXPRESSLY UNDERSTAND AND AGREE THAT, EXCEPT FOR ANY DAMAGES RESULTING FROM A DATA BREACH RELATED TO THE PERSONAL DATA COLLECTED BY THE SITE, TRUFFLE, ITS SUBSIDIARIES, AFFILIATES AND LICENSORS, AND OUR AND THEIR RESPECTIVE OWNERS, OFFICERS, EMPLOYEES, AGENTS AND SUCCESSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, COVER OR OTHER INTANGIBLE LOSSES (EVEN IF TRUFFLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) UNAUTHORIZED ACCESS TO OR THE LOSS, CORRUPTION OR ALTERATION OF YOUR TRANSMISSIONS, USER CONTENT OR DATA; (iii) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR USING THE SERVICE, OR PROVIDING ANY SERVICES RELATED TO THE OPERATION OF THE SERVICE; (iv) TRUFFLE’S ACTIONS OR OMISSIONS IN RELIANCE UPON YOUR ACCOUNT INFORMATION AND ANY CHANGES THERETO OR NOTICES RECEIVED THEREFROM; (v) YOUR FAILURE TO PROTECT THE CONFIDENTIALITY OF ANY PASSWORDS OR ACCESS RIGHTS TO YOUR ACCOUNT INFORMATION; (vi) THE ACTS OR OMISSIONS OF ANY THIRD PARTY USING OR INTEGRATING WITH THE SERVICE; (vii) THE TERMINATION OF YOUR ACCOUNT IN ACCORDANCE WITH THE TERMS OF THESE TERMS; OR (viii) ANY OTHER MATTER RELATING TO THE SERVICE. NOTHING IN THESE TERMS (INCLUDING THE LIMITATION OF LIABILITY PROVISIONS) IS INTENDED TO EXCLUDE OR LIMIT ANY CONDITION, WARRANTY, RIGHT OR LIABILITY WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY WILLFUL ACTS, NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THOSE LIABILITY AND OTHER LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION (IF ANY) WILL APPLY TO YOU AND OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Notwithstanding the limitations set forth herein and below, insurance coverage under your insurance policy are determined solely by the terms, conditions, exclusions and limitations of your insurance policy and applicable law.

Limitation of Liability

IN NO EVENT NO EVENT SHALL TRUFFLE BE LIABLE TO YOU OR ANY THIRD PARTY FOR CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR ENHANCED DAMAGES, ARISING OUT OF, OR RELATING TO, AND/OR IN CONNECTION WITH ANY BREACH OF THESE TERMS, REGARDLESS OF (A) WHETHER SUCH DAMAGES WERE FORESEEABLE, (B) WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND (C) THE LEGAL OR EQUITABLE THEORY (CONTRACT, TORT OR OTHERWISE) UPON WHICH THE CLAIM IS BASED.

TRUFFLE’S SOLE AND ENTIRE MAXIMUM LIABILITY, FOR ANY REASON, AND YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY CAUSE WHATSOEVER, SHALL BE LIMITED TO THE ACTUAL AMOUNT PAID BY YOU FOR THE SERVICES YOU HAVE PURCHASED THROUGH OUR SITE.

Indemnity

You agree to defend, indemnify and hold harmless us, our affiliates, and our and their respective owners, officers, directors, employees, agents, and/or licensors, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney’s fees) arising from: (i) your use of the Services; (ii) your violation of these Terms; (iii) your violation of any third-party right, including without limitation any copyright, property, publicity or privacy right; including all actions taken under your account; (iv) your violation of any applicable law; or (v) your negligence or willful misconduct. This defense, hold harmless and indemnification obligation will survive any termination of these Terms and your use of the Services.

Cautionary Note on Forward-Looking Statements

This Site contains press releases and other written statements issued by Truffle and may include forward-looking statements which reflect the current views of Truffle with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and other factors that could cause actual results to differ materially from such statements. The words “believe,” “expect,” “anticipate,” “project,” “plan,” and similar expressions identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of their dates. Truffle undertakes no obligation to publicly update or revise any forward-looking statements, whether written or oral, that may be made from time to time, whether as a result of new information, future developments or otherwise.

Assignment

Truffle reserves the right, in its sole and absolute discretion, to transfer, assign, sublicense or pledge in any manner whatsoever, any of its rights and obligations under these Terms to a subsidiary, affiliate, successor thereof or to any third party whatsoever, without notifying you or receiving your consent. You shall not transfer, assign, delegate, sublicense nor pledge in any manner whatsoever, any of your rights or obligations under these Terms.

Miscellaneous

These Terms are governed by the laws of the State of Illinois, excepting its conflicts of law principles. Subject to and unless we select arbitration pursuant to the arbitration provision below, any dispute arising out of this Site shall be subject to the exclusive venue of a court of competent jurisdiction sitting in Chicago, Illinois. The headings in these Terms are for convenience and reference and shall have no legal effect. Any failure by Truffle to act with respect to you or another person’s breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court or arbitrator finds any of these Terms to be unenforceable or invalid, such Term(s) deemed unenforceable or invalid will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. The headings and captions used in these Terms are inserted for convenience only and will not affect the meaning or interpretation of these Terms.  These Terms, together with those items incorporated by reference, constitute the entire agreement between you and Truffle relating to your use of the site and replaces any prior oral or written understandings or agreements.

Arbitration

At Truffle’s sole discretion, it may require You to submit any disputes arising from these Terms of Use or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Illinois law.

Consumer Complaints

If you have any questions, complaints or claims with respect to the Site, please contact us at: support@truffleinsurance.com. We will do our best to address your concerns. If you feel that your concerns have been addressed incompletely, we invite you to let us know for further investigation.

Revisions

We reserve the right to discontinue or modify any aspect of the Services at any time without notice to you, unless notice is otherwise required under applicable law.  We also reserve the right, at our discretion, to modify these Terms from time to time, which modification will be effective upon the posting of the modification to the Site, and will apply to causes of action arising after the effective date of the change. If the date displayed is later in time than your last visit, you must re-read these Terms. You should continue to check the Site for changes. Your continued use of the Site or otherwise our services following the posting of changes to these Terms will mean that you accept those changes.  Your continued use of this Site after the date of the last revision indicates your acceptance of any revisions. 

These Terms were last revised on July 1, 2023.

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