My Insurance Haven Terms of Use
Last Updated March 17, 2024
These Terms of Use (“Terms”) set forth the terms and conditions that apply to your access and use of all My Insurance Haven products and services (together, the “Services”), and that are made available through our websites including but not limited to www.myinsurancehaven.com, as well as through certain downloadable mobile applications (such websites or mobile applications, the “Site”). In the Terms, “My Insurance Haven” or “we” means My Insurance Haven, Inc. and its affiliates and subsidiaries (and their predecessors in interest, successors and assigns), and “you” refers to the individual using the Services and, if such individual is using the Services on behalf of an entity or organization, then such entity or organization (and each of your successors and assigns). The Services are intended for U.S. residents only and may include, but are not limited to, free credit score; access to third-party rewards programs; platforms that enable users to locate and contact U.S. financial services, as well as professionals, such as third-party experts, advocates, and advisors, who can provide various services; financial planning services, discussion forums, community forums, bulletin boards, review services, and forums in which users may ask questions of third-party advisors; and platforms that enable users to apply to pre-qualify for certain credit card or loan offers.
By using or accessing the Services you agree to the Terms, as updated from time to time in accordance with Section 8 below. Because My Insurance Haven provides a wide range of services, we may ask you to review and accept supplemental terms that apply to your interaction with a specific Service.
THESE TERMS INCLUDE A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER THAT GOVERN ANY DISPUTES BETWEEN YOU AND US. PLEASE READ THEM CAREFULLY. IF YOU DO NOT AGREE TO THE TERMS, INCLUDING THE MANDATORY ARBITRATION PROVISION OR CLASS ACTION WAIVER, DO NOT USE THE SERVICES.
To use some of the Services, you may need to provide information such as credit card or bank account numbers to third-parties. For more information regarding our how we collect and use information in connection with our Services, see our Privacy Policy.
1. Registration and Account Security. To use the Services you must (i) be at least eighteen (18) years of age; (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with any and all applicable laws and regulations.
a) Account Registration. To access some features of the Services, you may be required to register for an account. When you register for an account, we may ask you to give us certain identifying information about yourself, including but not limited to your email address and other contact information, and to create a user name and password (“Registration Information”). When registering for and maintaining an account, you agree to provide true, accurate, current, and complete information about yourself. You also agree not to impersonate anyone, misrepresent any affiliation with anyone else, use false information, or otherwise conceal your identity from My Insurance Haven for any purpose.
b) You Are Responsible For Your Account. You are solely responsible for maintaining the confidentiality and security of your password and other Registration Information. For your protection and the protection of other users, we ask you not to share your Registration Information with anyone else. If you do share this information with anyone, we will consider their activities to have been authorized by you.
2. Specific Requirements for Certain Services. Your use of the Services constitutes your acknowledgment and acceptance of the following specific requirements and terms of use for certain of the My Insurance Haven Services.
a) Free Credit Score. My Insurance Haven provides members with free access to their TransUnion VantageScore 3.0 credit score and report (“Credit Score”). In order to access your Credit Score you must provide My Insurance Haven the following credit pull authorization:
i. I hereby authorize My Insurance Haven to periodically obtain and use consumer reports about me in order to provide me with: (1) access to my free credit score, including periodic updates to my credit score; and (2) recommendations regarding financial products and services that may be of interest to me, including credit cards, personal loans, home loans and other financial products and services offered by My Insurance Haven partners. I also hereby authorize My Insurance Haven to share my credit score among My Insurance Haven, between its affiliates and subsidiaries, in order to allow any entity within My Insurance Haven to provide me with such financial recommendations.
b) Link My Account. Link My Account is a feature that allows you to track all of your third-party financial accounts on My Insurance Haven’s website. By using the Link My Account Service you grant My Insurance Haven and its third-party service provider, Plaid, Inc., permission to access your third-party financial accounts designated by you. By using the Link My Account Service, you agree to the Plaid End User Privacy Policy.
c) Forums. My Insurance Haven may offer features that allow users to share content, comments and opinions on financial topics with other users in the Community Forum, as well as other user discussion forum platforms (collectively, the “Forum”). Your use of the Forum is governed by the Terms, as well as our Community Guidelines.
i) Forum content are the contributions of independent users not affiliated with My Insurance Haven, whose opinions are their own. My Insurance Haven does not guarantee the accuracy, integrity or quality of the opinions and advice posted on the Forum. Your use of any user content provided in the Forum is at your own risk.
ii) My Insurance Haven may, but is not required to, monitor Forum content and reserves the right to edit, correct or delete any Forum content for any reason at our sole discretion.
iii) You hereby grant to My Insurance Haven a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, translate, transmit, display, perform and distribute any content, information or material you submit or post to the Forum, in any medium now in existence or hereafter developed, for any purpose, including commercial uses. You waive all moral rights and similar rights you may have in such content, information and material.
iv) We may terminate a user’s access or ability to use the Forum, immediately, without notice, and at our sole discretion, for user’s failure to comply with any terms or conditions of the Terms or Community Guidelines.
3. Third-Party Services.
a) Advice from Third-Parties. Some of the Services involve advice from third-parties and third-party content. You agree that any such advice and content is provided for informational, educational, or entertainment purposes only, and does not constitute legal, financial, tax planning, medical, or other advice from My Insurance Haven. You agree that My Insurance Haven is not liable for any advice provided by third-parties. You agree that you are responsible for your own financial research and financial decisions, and that My Insurance Haven is not responsible or liable for any decisions or actions you take or authorize third-parties to take on your behalf based on information you receive as a user of My Insurance Haven.
b) Sharing Information With Third-Parties. To use some of the Services, you may need to provide information such as credit card numbers, bank account numbers, and other sensitive financial information (such as investments, income, expenses, investable assets, investing risk tolerance or other similar types of information), to third-parties. By using the Services, you agree that My Insurance Haven or its subcontractors may collect, store, and transfer such information on your behalf, and at your sole request. More information is available in our Privacy Policy. You agree that your decision to make available any sensitive or confidential information to third-parties is your sole responsibility and at your sole risk. My Insurance Haven has no control and makes no representations as to the use or disclosure of information provided to third-parties. You agree that these third-party services are not under My Insurance Haven’s control, and that My Insurance Haven is not responsible for any third-party’s use of your information.
c) My Insurance Haven Does Not Endorse Third-Parties. The Services may contain links to third-party websites and services. My Insurance Haven provides such links as a convenience, and does not control or endorse these websites and services. You acknowledge and agree that My Insurance Haven has not reviewed the content, advertising, products, services, or other materials that appear on such third-party websites or services, and is not responsible for the legality, accuracy, or appropriateness of any such content, and shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third-party websites or services.
4. Prohibited Conduct. You agree not to:
a) Use the Services for any illegal purpose, or in violation of any local, state, national, or international law;
b) Violate or misappropriate or encourage others to violate or misappropriate the rights of third-parties, including intellectual property rights;
c) Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;
d) Interfere in any way with security-related features of the Services or the Site;
e) Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third-parties without their consent;
f) Access, monitor or copy any content or information of the Site using any robot, scripts, spider, scraper, or other automated means or for any purpose or any manual process to collect information or content, or use the Services as part of any machine learning or similar algorithmic activity without My Insurance Haven’s express written permission;
g) Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth;
h) Copy, reproduce, rent, lease, sell, transfer, assign, sublicense, modify, publish, disclose, distribute, display or prepare derivative works of the Services;
i) Except to the extent permitted by applicable law and except to the extent expressly permitted in these Terms, reverse engineer, disassemble, or decompile the Services, including any corresponding source code, without prior written consent from us; or
j) Sell or otherwise transfer the access granted herein.
5. Intellectual Property and User Content. The Services are protected by applicable copyright and other intellectual property laws, and no materials from the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without our express permission. All trademarks and service marks on the Services belong to My Insurance Haven, except third-party trademarks or service marks, which are the property of their respective owners. You represent and warrant that you own or otherwise have the right to use any content you post to the Services.
You must provide the following information: an electronic or physical signature of the copyright owner or the person authorized to act on behalf of the copyright owner; a description of the copyrighted work that you claim has been infringed; a description of where the material that you claim is infringing is located; your address, telephone number, and email address; a written statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. My Insurance Haven has adopted and implements a policy that provides for termination in appropriate circumstances of accounts of users who repeatedly infringe copyright or other intellectual property rights of My Insurance Haven or others.
You hereby grant to My Insurance Haven a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, translate, transmit, display, perform and distribute any content, information or material you submit or post in connection with the Services or otherwise make available to My Insurance Haven or its subcontractors in connection with your use of the Services (“Content”) for the following purposes: (a) with respect to Content which is governed by our Privacy Policy, to provide you with the Services and comply with our obligations under the Terms, any other purposes set forth in the Privacy Policy, (b) with respect to Content which is not governed by our Privacy Policy, including any feedback you may provide us about our Services, for any purpose, and (c) with respect to all Content, to de-identify the Content (if it constitutes personal information). All right, title and interest in and to such de-identified Content created by or on behalf of My Insurance Haven shall be solely and exclusively owned by My Insurance Haven and My Insurance Haven may use it for any purpose.
6. Indemnification. You agree that you will be personally responsible for your use of the Services, and you agree to defend, indemnify, and hold harmless My Insurance Haven and its former and current employees, contractors, directors, officers and contractors from and against any and all claims, liabilities, damages, losses, and expenses (including attorneys’ and accounting fees and costs), arising out of or in any way connected with (i) any content you have submitted to or through the Services; (ii) your violation of the Terms or any applicable law or regulation; (iii) your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right; or (iv) any disputes or issues between you and any third-party. My Insurance Haven reserves the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim.
7. Termination. If you violate the Terms, your permission to use the Services will automatically terminate. In addition, My Insurance Haven in its sole discretion may suspend or terminate your user account and/or suspend or terminate some or all of your access to the Services at any time, with or without notice to you. After your account is terminated, information and content previously provided by you will no longer be accessible through your account, but My Insurance Haven may continue to store such information and content, and it may also be stored by third-parties to whom it has been transferred through your use of the Services.
8. Modification of the Terms. My Insurance Haven may modify the Terms and impose new or additional terms or conditions on any use of the Services. If we do so, we will notify you by revising the date at the term of the Terms and/or in some cases, including where required by law, we may provide you with an additional notice, such as via email to the email address you have provided us. Such modifications and additional terms and conditions will be effective immediately upon notice and incorporated into the Terms. Your continued use of the Services will constitute your acceptance of the modified terms and any applicable new or additional terms or conditions. If you do not agree to the modified terms or new or additional terms or conditions, you must stop using the Services, and if applicable, close your My Insurance Haven accounts.
9. DISCLAIMERS OF WARRANTIES. THE DISCLAIMERS AND LIMITATIONS ON OUR LIABILITY IN THIS SECTION 9 APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. THE SERVICES ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED. ALTHOUGH My Insurance Haven SEEKS TO MAINTAIN SAFE, SECURE, ACCURATE, AND WELL-FUNCTIONING SERVICES, WE CANNOT GUARANTEE THE CONTINUOUS OPERATION OF OR ACCESS TO OUR SERVICES, AND THERE MAY AT TIMES BE INADVERTENT TECHNICAL OR FACTUAL ERRORS OR INACCURACIES.
A) NO WARRANTIES. My Insurance Haven SPECIFICALLY (BUT WITHOUT LIMITATION) DISCLAIMS (I) ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (II) ANY WARRANTIES ARISING OUT OF COURSE-OF-DEALING, USAGE, OR TRADE. YOU ASSUME ALL RISK FOR ANY/ALL DAMAGES THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE SERVICES. My Insurance Haven IS NOT RESPONSIBLE FOR THE LOSS OF, DAMAGE TO, OR UNAVAILABILITY OF ANY INFORMATION YOU HAVE MADE AVAILABLE THROUGH THE SERVICES, AND YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT YOU HAVE BACKUP COPIES OF ANY INFORMATION YOU HAVE MADE AVAILABLE THROUGH THE SERVICES.
B) NO GUARANTEE OF ACCURACY. My Insurance Haven DOES NOT GUARANTEE THE ACCURACY OF, AND DISCLAIMS ALL LIABILITY FOR, ANY ERRORS OR OTHER INACCURACIES IN THE INFORMATION, CONTENT, RECOMMENDATIONS, AND MATERIALS MADE AVAILABLE THROUGH THE SERVICES.
C) SERVICES PROVIDED FOR INFORMATIONAL PURPOSES. THE INFORMATION PROVIDED THROUGH THE SERVICES IS PROVIDED SOLELY FOR INFORMATIONAL, EDUCATIONAL, OR ENTERTAINMENT PURPOSES AND DOES NOT CONSTITUTE LEGAL, FINANCIAL, TAX PLANNING, MEDICAL, OR OTHER ADVICE. My Insurance Haven AND THE SERVICES ARE NOT ENDORSED BY OR AFFILIATED WITH FINRA, AND My Insurance Haven IS NOT A FINANCIAL INSTITUTION OR INSURANCE PROVIDER. My Insurance Haven MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE RESULTS OR SAVINGS THAT MAY BE OBTAINED THROUGH THE USE OF THE SERVICES. BEFORE MAKING ANY FINANCIAL DECISIONS OR IMPLEMENTING ANY FINANCIAL STRATEGY, INCLUDING RECOMMENDATIONS OF THIRD-PARTIES IDENTIFIED THROUGH THE SERVICES, My Insurance Haven RECOMMENDS THAT YOU OBTAIN ADDITIONAL INFORMATION AND ADVICE OF ACCOUNTANTS OR OTHER FINANCIAL ADVISORS WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES. YOU AGREE THAT YOU ARE RESPONSIBLE FOR YOUR OWN FINANCIAL RESEARCH AND FINANCIAL DECISIONS, AND THAT My Insurance Haven IS NOT RESPONSIBLE OR LIABLE FOR ANY DECISIONS OR ACTIONS YOU TAKE OR AUTHORIZE THIRD-PARTIES TO TAKE ON YOUR BEHALF BASED ON INFORMATION YOU RECEIVE AS A USER OF My Insurance Haven.
D) NO WARRANTIES REGARDING THIRD-PARTIES. My Insurance Haven MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY THIRD-PARTY SERVICE OR ADVICE PROVIDED BY A THIRD-PARTY, OR ANY QUOTES OR OFFERS PROVIDED THROUGH THE SERVICES. My Insurance Haven DOES NOT ENDORSE ANY PARTICULAR ADVISOR OR OTHER THIRD-PARTY. My Insurance Haven ACTS SOLELY AS AN INTERMEDIARY BETWEEN YOU AND THIRD-PARTY SERVICE PROVIDERS AND EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS, OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS. SEE SECTION 3, ABOVE, FOR MORE INFORMATION REGARDING THIRD-PARTIES AND THIRD-PARTY SERVICES.
10. LIMITATION OF LIABILITY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (A) IN NO EVENT WILL My Insurance Haven OR ITS OFFICER’S, EMPLOYEES, SERVICE PROVIDERS OR REPRESENTATIVES BE LIABLE TO YOU FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA OR USE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT My Insurance Haven HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND (B) TO THE EXTENT OUR LIABILITY HAS NOT ALREADY BEEN EXCLUDED IN THE FOREGOING, IN NO EVENT SHALL OUR CUMULATIVE LIABILITY TO YOU, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED THE GREATER OF WHAT YOU PAID US FOR THE APPLICABLE SERVICES (IF ANY) AND US $100.
11. Governing Law. The Terms are governed by the laws of the State of California and the Federal Arbitration Act (“FAA”), without regard to conflict of law principles. Subject to Section 12, which provides that disputes are to be resolved through binding arbitration or small claims court, to the extent that any lawsuit or court proceeding is permitted hereunder, you and My Insurance Haven agree to submit to the exclusive personal jurisdiction of the state courts and federal courts located within San Francisco County, California, for the purpose of litigating all such disputes. We make no representation that information and materials included in the Services are appropriate or available for use outside the U.S.
12. Modification of the Services. My Insurance Haven reserves the right to modify or discontinue, temporarily or permanently, some or all of the Services at any time without any notice or further obligation to you. You agree that My Insurance Haven will not be liable to you or to any third-party for any modification, suspension, or discontinuance of any of the Services.
13. General.
a) Entire Agreement. Except as specified herein, these Terms, together with the Privacy Policy, constitute the entire and exclusive understanding and agreement between you and My Insurance Haven regarding your use of and access to the Services, and except as expressly permitted above may only be amended by a written agreement signed by authorized representatives of the parties.
b) No Waiver. The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of the Terms constitute a waiver of any subsequent breach or default or a waiver of the provision itself.
c) Paragraph Headers. Use of paragraph headers in the Terms is for convenience only and shall not have any impact on the interpretation of particular provisions.
d) Severability. In the event that any part of the Terms is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remaining parts will remain in full force and effect.
e) Partner Terms. In some instances, My Insurance Haven’s third-party partners require that My Insurance Haven users agree to be bound by some additional terms of use that are specific to particular products or services (“Partner Terms”). In the event of any conflict between the Partner Terms and My Insurance Haven’s Terms, My Insurance Haven’s Terms govern and control.
f) Third-Party Beneficiaries. My Insurance Haven’s former and past employees, directors, officers and contractors, and each of their successors and assigns, are intended beneficiaries of Section 6 (Indemnification) and the Arbitration Agreement and have the right to enforce such provisions against you. The Terms are not otherwise intended to grant rights to anyone except you and My Insurance Haven or create any third-party beneficiary rights.