These terms of use (this “Agreement’) constitute a legal agreement entered into by and between you (“user,” “you,” or “your”) and Simplicity Financial Marketing Holdings, Inc. (“Company”, “we”, or “us”). Please read this agreement carefully as it governs your access to, and use of, this website (this “Site”), any services provided or accessible through this Site (the “Services”), and any Material (as herein defined), User Contributions (as herein defined), Marks (as herein defined) and/or other information or other content available on or through this Site (all of the foregoing collectively, the “Content”). By accessing, browsing and/or otherwise using this Site or other Content, you acknowledge that you have read, understood and agreed to be bound by this Agreement, and to comply with all applicable laws and regulations, including U.S. export and re-export control laws and regulations If you do agree to this Agreement, you must immediately cease any access or use of this Site and the other Content. 

Company may revise this Agreement at any time without notice by updating this posting. By accessing, browsing and/or otherwise using this Site you agree to be bound by any such revisions and should therefore periodically visit this Site and page to determine the then current terms and conditions of use to which you are bound. Any new Content hereinafter made available on or through this Site shall be subject to this Agreement.

1. Acceptance of Terms of Use. This Agreement is a legally binding contract between you and the Company and governs your access to and use of Site and the other Content, whether as a guest or a registered user. By accessing or using the Site or any of the other Content, you accept and agree to be bound and abide by this Agreement and by our Privacy Policy, found at https://simplicitygroup.com/privacy-policy (as revised from time to time, the “Privacy Policy”) which is hereby incorporated into this Agreement by reference. This Site and the other Content is offered and available only to users who 18 years of age or older and reside in the United States or any of its territories or possessions. By using this Site or any other Content, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Site or any other Content. If you breach any of these terms and conditions, your authorization to access, browse and/or use this Site and the other Content automatically terminates and you must immediately destroy any downloaded or printed Content and discontinue any use of this Site (including any hypertext links to this Site) and all other Content.

2. Copyright. All Site materials, including, without limitation, any software, data, text, photos, pictures, graphics, images, audio and video clips, logos, icons, links and other files and the selection and arrangement thereof (the “Materials”) are copyrighted Materials, ALL RIGHTS RESERVED.
3. Trademarks. The trademarks and/or trade dress, service marks, trade names, logos, page headers, custom graphics, button icons and scripts used and displayed on this Site and/or any other Content (the “Marks”) are registered and unregistered trademarks. You are prohibited from copying, imitating or otherwise using, in whole or in part, any Mark without the prior written permission of the owner of such Mark. Nothing on this Site shall be construed as granting, by implication, estoppel or otherwise, any license or right to use or reproduce any Mark without the express written permission the owner of such Mark. The misuse of any Mark displayed on this Site is strictly prohibited.
4. Company Materials. This Site, the Materials, the Company’s Marks, the Services, including, without limitation, any of Company’s or its licensor’s Internet operations, design, content, hardware designs, algorithms, software (in source and object forms), user interface designs, other templates and designs, algorithms, architecture, class libraries, and documentation (both printed and electronic), know-how, good will, moral rights, trade secrets and any related intellectual property rights throughout the world in any of the foregoing, and any derivative works, improvements, enhancements or extensions thereof, are and shall remain the sole and exclusive property of the Company, its suppliers or other third-parties.
5. User Contributions. The Site may contain message boards, chat rooms, private messaging, personal web pages or profiles, forums, bulletin boards, upload portals and other interactive features (collectively, “Interactive Services”) that may allow you and/or other users to post, upload, submit, publish, display or otherwise transmit to the Company and/or other users or persons (hereinafter, “post”) content or materials (collectively, “User Contributions”) on or through the Site. All User Contributions must comply with the Content Standards set out in this Agreement. Any User Contribution you post to the Site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Site, you grant the Company and its affiliates, and each of its and their respective officers, employees, agents, partners, licensors, independent consultants, subcontractors, distributors, clients, and its and their respective successors and assigns (each a “Company Party” and collectively, the “Company Parties”), a worldwide, irrevocable, royalty-free, transferrable license and right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third-parties any such User Contributions for any purpose. You represent and warrant that: (a) you own or control all rights in and to the User Contributions and have the right to grant the license granted above; and (b) all of your User Contributions do and will comply with this Agreement. You understand and acknowledge that you are responsible for any User Contributions that you post, and you – and not the Company – have full responsibility for such User Contributions that you post, including the legality, reliability, accuracy, and appropriateness thereof. You understand that Company does not control, and is not responsible for, any User Contributions made available or received through this Site, and that by using this Site, you may be exposed to Content that is offensive, indecent, inaccurate, misleading, or otherwise objectionable. You agree that: (a) you must evaluate, and bear all risks associated with the use of any User Contributions and other Content; (b) you must not rely on said Content; and (c) under no circumstances will Company be liable in any way for any User Contributions or other Content, or for any loss or damage of any kind incurred as a result of any Content, made available or received through this Site. The Company is not responsible or liable to any third-party for the content or accuracy of any User Contributions made available or received through this Site by or to you or any other user of the Site.
6. Content Standards. The content standards set forth in this paragraph (the “Content Standards”) apply to all User Contributions and the use of Interactive Services. User Contributions, and the use of any Interactive Services, must comply in their entirety with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions, and any use of the Interactive Services, must not: (a) contain any material that is deceptive, fraudulent, misleading, defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable; (b) promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age; (c) infringe any patent, trademark, trade secret, copyright, or other intellectual property (including any Mark) or other rights of any person; (d) violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy; (e) promote any illegal activity, or advocate, promote, or assist any unlawful act; (f) cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person; (g) impersonate any person or organization, or misrepresent your identity or affiliation with any person or organization; (h) involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising unless otherwise expressly permitted by the Company in writing; or (i) give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.
7. General Disclaimer; No Offer or Solicitation. Unless otherwise expressly stated on the Site, the Content is made available for general information purposes only and is not intended to be taken as advice regarding any individual circumstance. This Content may include certain descriptions of insurance products and related services available by or through the Company. Such Content is intended for general description and information purposes only and, at all times, subject to applicable law and the specific terms and conditions governing such products or services. 

UNLESS OTHERWISE EXPRESSLY STATED ON THE SITE, NOTHING ON THIS SITE IS AN OFFER TO SELL, OR A SOLICITATION TO PURCHASE, ANY INSURANCE, INSURANCE SERVICES, OR INSURANCE RELATED PRODUCT. ADDITIONALLY, NOTHING ON THIS SITE CONSTITUTES INVESTMENT ADVICE OR AN OFFER TO SELL, OR SOLICITATION TO PURCHASE, SECURITIES OR INVESTMENT PRODUCTS OR RELATED SERVICES. AT ALL TIMES THE PURCHASE AND SALE OF SUCH PRODUCTS AND SERVICES SHALL BE GOVERNED BY APPLICABLE LAW (INCLUDING FEDERAL, STATE, AND LOCAL LAW OF YOUR JURISDICTION).

1. Grant of License. Subject to the other restrictions set forth in this Agreement, the Company hereby grants to you a limited, worldwide, non-exclusive, non-transferable, non-sublicensable, and revocable license to use the Content (other than the Marks) for personal, noncommercial use only.
2. License Restrictions. You acknowledge and agree that you do not acquire any ownership rights by using the Site or any Content. You may not: (a) copy the Services or any software or programming related thereto; (b) modify, distribute, copy, reproduce, display, republish, download, upload or transmit the Site or any Content for commercial use, or otherwise, without the prior written approval of Company; (c) “frame” or “mirror” any Content contained on this Site on any other server without the prior written permission from Company; (d) permit other individuals or companies to use the Content; (e) modify, translate, reverse engineer, decompile, disassemble or create derivative works based upon this Site, the other Content, or any software or programming related hereto or thereto; (f) rent, lease, transfer, resell and/or or otherwise transfer rights to the Content; or (g) delete or write over any portion of any software relating in any manner to the Site, the Services or the other Content. You also agree that your use of the Site and the other Content shall at all times be subject to, and in accordance with, all applicable local, state, national and international laws and regulations. You agree not to use of this Site or any other Content in any manner that infringes the right of the Company, any Company Party or any other third-party. Any unauthorized use of the Marks or any other Content may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes. The Company reserves any rights not expressly granted herein. You shall be solely responsible for hardware and interconnections and telecommunications to access the Site or the Content.
3. Additional Use Restrictions. You may only use this Site and the other Content in a manner that, in Company’s sole judgment, is consistent with the intended purposes thereof. By way of example, and not limitation, you agree not to: (a) access, or attempt to access, other areas of the Company computer system or other computer systems through this Site or any other Content for any purposes; (b) use any robot, spider, other automatic device, or manual process to “screen scrape,” monitor, “mine,” or copy any Content without Company’s prior, express, and written permission; (c) use any device, software or routine to interfere, or attempt to interfere, with the proper working and availability of this Site or any other Content, or take any action that imposes an unreasonable or disproportionately large load on Company’s infrastructure; (d) restrict or inhibit any other visitor from using or accessing the Site or any other Content, including, without limitation, by means of “hacking” or defacing any portion of the Site or the other Content; (e) express or imply that any statements you make are endorsed by Company without Company’s prior written consent; or (f) assist any third-party in engaging in any activity prohibited by this Agreement.
4. Monitoring the Site. We have the right to: (a) monitor the Site and the Content; (b) remove or refuse to post any User Contributions for any or no reason in our sole discretion; (c) take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates any provision of this Agreement (including the Content Standards), infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Site or the public, or could create liability for the Company or any other Company Party; (d) disclose your identity or other information about you to law enforcement and/or any third-party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy; and/or (e) take legal action, including without limitation, referral to law enforcement, for any actual or suspected illegal or unauthorized use of the Site or the other Content. While the Company strives to provide you with access to Content that we believe to be reliable and accurate, we cannot undertake to review all Content before it is posted on the Site, and we cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third-party. We disclaim all liability and responsibility arising from any reliance placed on such materials by you any other visitor to the Site or recipient of the Contents, or by anyone who may be informed of the Site or any of the other Contents.
5. Hyperlinks. You are granted a limited, nonexclusive, and revocable right to create a “hypertext” link to this Site, provided that such link is to the entry page of this Site and does not portray Company or any Company Party, or any of its or their products or services, in a false, misleading, derogatory, or otherwise defamatory manner. This limited right may be revoked at any time for any reason whatsoever. You may not use framing techniques to enclose any Mark or other proprietary Content without Company’s express written consent. This Site and the Content may include content or links to content created or provided by third-parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and reporting services. All statements or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing or creating those materials. Links to third-party sites on this Site and/or in the Content are provided solely as convenience to you. If you use these links, you will leave this Site. Company has not reviewed all of these third-party sites and does not control, and is not responsible for, any of these sites or their availability, content, or policies, including, without limitation, privacy policies or lack thereof. These materials do not necessarily reflect the opinion of the Company. We are not responsible or liable to you or any third-party for the content or accuracy of any materials provided or created by any third-parties. Company does not endorse or make any representations about third-party sites or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third-party sites, you do so entirely at your own risk. You acknowledge and agree that Company 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 or reliance on any such third-party sites.
6. Your Information. To access the Site, the Services and/or some of the Content or other resources offered hereby or thereby, you may be asked to provide certain registration details or other information. It is a condition of your use that all the information you provide to the Company is correct, current, and complete. You agree that all information you provide to register with this Site or otherwise, including but not limited to through the use of the Services and/or the Interactive Services, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy. If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Site or any of the Content, or any portions hereof or thereof, using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason.
7. Security. You understand and acknowledge that no data transmission over the Internet can be guaranteed to be 100% secure and we cannot guarantee that any personal information you submit to us will be free from unauthorized third-party intrusion. You understand and agree that all information you submit to Company is done so at your own risk. You should use particular caution when accessing the Site or your account from a public or shared computer so that others are not able to view or record your password or other personal information.
8. Modification or Cancellation of Services. The Company may, in its sole discretion and at any time, modify, cancel or suspend access to, or the availability of, the Site, the Services, the other Content or any part hereof or thereof, without cause and without notice. You agree that Company shall not be liable to you or to any third-party for any modification, cancellation or suspension of access to, or the availability of, the foregoing. Upon cancellation or suspension of access to, or the availability of, the foregoing, your right to access and/or use the same immediately terminates.
9. DISCLAIMER OF WARRANTIES. YOU AGREE THAT USE OF THE SERVICES AND THIS SITE IS AT YOUR SOLE RISK. THE SERVICES AND THIS SITE, INCLUDING BUT NOT LIMITED TO ALL SOFTWARE, FUNCTIONS, MATERIALS, AND INFORMATION, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND NEITHER COMPANY NOR ANY OTHER COMPANY PARTY ASSUMES ANY RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY OF YOUR COMMUNICATIONS, DATA, CONTENT, OR PERSONALIZATION SETTINGS. TO THE EXTENT PERMISSIBLE BY APPLICABLE LAW, COMPANY AND COMPANY THIRD-PARTIES HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, QUIET ENJOYMENT, TITLE, MERCHANTABILITY OF COMPUTER PROGRAMS AND INFORMATIONAL CONTENT. NEITHER COMPANY NOR ANY COMPANY THIRD-PARTIES MAKE ANY WARRANTY THAT THIS SITE, THE SOFTWARE, THE MATERIALS, THE PRODUCTS, OR THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR OR VIRUS FREE OR THAT ANY DEFECTS IN THE SITE, THE SOFTWARE, THE MATERIALS, THE PRODUCTS, OR THE SERVICES WILL BE CORRECTED; NOR DO COMPANY OR ANY COMPANY THIRD-PARTIES MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM, OR THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH, THE USE OF THE SERVICES OR THIS SITE. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE AND THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO A COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE DISCLAIMERS CONTAINED HEREIN MAY NOT APPLY TO YOU AND YOU MAY HAVE ADDITIONAL RIGHTS.
10. LIMITATION OF LIABILITY. IN NO EVENT SHALL COMPANY OR ANY COMPANY THIRD-PARTIES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, DAMAGES RESULTING FROM LOST PROFITS, LOST OR DAMAGED DATA OR BUSINESS INTERRUPTION ARISING OUT OF OR RELATING TO THE USE, OR INABILITY TO USE, THE SERVICES, THIS SITE, ANY WEBSITES LINKED TO THIS SITE, THE MATERIALS, SOFTWARE OR OTHER INFORMATION CONTAINED IN ANY OR ALL SUCH SITES, WHETHER BASED ON WARRANTY, CONTRACTS, STATUTES, REGULATIONS, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF THE MATERIALS OR INFORMATION FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL THE TOTAL AND AGGREGATE LIABILITY OF ANY PARTY UNDER THIS AGREEMENT FOR ANY CAUSE OF ACTION OR REASON WHATSOEVER EXCEED $100.00 OR THE TOTAL FEES YOU PAID TO US IN DURING THE THREE (3) MONTH PERIOD PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, WHICHEVER IS GREATER. YOUR SOLE AND EXCLUSIVE REMEDY UNDER THIS AGREEMENT IS TO DISCONTINUE THE USE OF THE SERVICES. THE LIABILITY OF ANY PARTY UNDER THIS AGREEMENT SHALL BE CUMULATIVE AND NOT PER INCIDENT. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE SITE OR ANY OF THE OTHER CONTENT MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
11. Indemnification; Release and Waiver of Claims. You agree to notify Company of, and indemnify, defend and hold the Company Parties harmless from and against, any and all claims, damages, losses, costs (including reasonable attorneys’ fees), and other expenses that arise directly or indirectly out of or from: (a) your breach of this Agreement; (b) any allegation that any Content or materials (including any User Contributions) that you submit or transmit to, or download, browse, access or otherwise use from or through, this Site or any other website infringes or otherwise violates (i) the copyright, trademark, trade secret, or other intellectual property or other rights of any third-party or (ii) any law, regulation or rule; and/or (c) your activities in connection with this Site and/or any Content. You hereby agree to waive any and all claims, whether known or unknown, against the Company Parties and, if you are a resident of California, you further agree to waive the provisions of California Civil Code § 1542, which states: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”
12. Force Majeure. Company shall not be liable to you or any third-party for failure or delay in performing our obligations hereunder if such failure or delay is due to circumstances beyond our reasonable control, including, without limitation, acts of any governmental body, war, insurrection, sabotage, terrorism, embargo, fire, flood, strike or other labor disturbance, interruption of or delay in transportation, unavailability or interruption or delay in telecommunications or third-party services (including DNS propagation), failure of third-party software or hardware or inability to obtain raw materials, supplies, or power used in or equipment needed for provision of the Site.
13. Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site, the Services, or this Agreement (or any other agreement incorporated herein), must be filed within one (1) year after such claim or cause of action arose or forever be barred.
14. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware notwithstanding any conflict of laws provisions. You irrevocably and unconditionally: (i) consent to submit to the exclusive jurisdiction of the state and federal courts of Delaware (the “Delaware Courts”) for any litigation or controversy arising out of or relating to this Agreement, (ii) agree not to commence any litigation arising out of or relating to this Agreement except in the Delaware Courts and (iii) agree not to plead or claim that such litigation brought therein has been brought in an inconvenient forum.
15. General. If any provision of this Agreement is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be limited or eliminated to the minimum extent such that the remaining provisions of this Agreement will continue in full force and effect (including, without limitation, by restricting any such limitation or elimination only to users in the applicable jurisdiction in which such provision was held to be invalid, illegal or unenforceable). Any failure to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to in writing. By agreeing to the terms set forth in this Agreement, you agree to waive any right you may have to a jury trial and/or to take part in any class action lawsuits. The section titles in this Agreement are solely used for the convenience of the parties and have no legal or contractual significance. This Agreement may be assigned in whole or in part by the Company. This Agreement may not be assigned in any manner by you without the express, prior written permission of the Company. There are no third-party beneficiaries to this Agreement. This Agreement contains the entire understanding of the parties regarding the subject matter and supersedes all prior and contemporaneous agreements and understandings between the parties regarding the subject matter hereof.