888.814.6950

WEBSITE TERMS OF USE

Acceptance of the Terms of Use

These terms of use, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), are entered into by and between You and LeaseTerm Insurance Group, LLC, d/b/a LeaseTerm Solutions (“Company”, “we” or “us”). These Terms of Use govern your access to and use of the Company’s websites including  www.leasetermsolutions.com, www.lpenroll.com, www.apenroll.com, www.rpenroll.com www.totalprotectenroll.com, and www.propertyprotectenroll.com, including any content, functionality and services offered on or through such websites or any related or linked to websites of the Company (each a “Website” and, collectively, the “Websites”), whether as a guest or an enrolled user.

 

Please read the Terms of Use carefully before you start to use a Website. By using a Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, found at http://leasetermsolutions.com/privacy.html, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use a Website.

 

The Websites are offered and available to users 18 years of age or older who reside in the United States or any of its territories or possessions. Regardless of your age, by using a Website, you represent and warrant that you are of legal age to form a binding contract with the Company in your jurisdiction and that you meet all of the applicable eligibility requirements to do so in your jurisdiction. If you do not meet all of these requirements, you must not access or use the Websites.



Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Websites thereafter. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Websites.

 

Your continued use of a Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check the Websites from time to time so you are aware of any changes, as they are binding on you.



Accessing the Websites and Account Security

We reserve the right to withdraw or amend the Websites, and any service or material we provide on the Websites, in our sole discretion without notice. We will not be liable if for any reason all or any part of a Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of a Website, or the entire Website, to users, including enrolled users.


You are responsible for:

·         Making all arrangements necessary for you to have access to the Websites.

·         Ensuring that all persons who access the Websites through your internet connection are aware of these Terms of Use and comply with them.

To access a Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Websites that all the information you provide on the Websites is correct, current and complete. You agree that all information you provide to the Company via a Website or otherwise is governed by our Privacy Policy, found at http://leasetermsolutions.com/privacy.html, 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 a Website or portions of it 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. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

 

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, including if, in our opinion, you have violated any provision of these Terms of Use.



Intellectual Property Rights

The Websites and their entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

 

These Terms of Use permit you to use the Websites for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on a Website, except as follows:

·         Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.

·         You may store files that are automatically cached by your Web browser for display enhancement purposes.

·         You may print or download one copy of a reasonable number of pages of a Website for your own personal, non-commercial use and not for further reproduction, publication or distribution.

·         If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

 

You must not:

 

·      Modify copies of any materials from a Website.

·      Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text.

·      Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from a Website.

 

You must not access or use for any commercial purposes any part of a Website or any services or materials available through a Website.

 

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of a Website in breach of the Terms of Use, your right to use the Websites will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Websites or any content on the Websites is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Websites not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.



Trademarks

 

The Company name, the terms “APenroll,” “AssetProtect,” “LeaseProtect,” “LeaseTerm,” “LeaseTerm Solutions,” “TotalProtect,” “RentersProtect,” and “PropertyProtect,” and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on a Website are the trademarks of their respective owners.



Prohibited Uses

You may use the Websites only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Websites:

 

·         In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the U.S. or other countries).

·         For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.

·         To impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses or screen names associated with any of the foregoing).

·         To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Websites, or which, as determined by us, may harm the Company or users of the Websites or expose them to liability.

 

Additionally, you agree not to:

 

·         Use the Websites in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Websites, including their ability to engage in real time activities through the Websites.

·         Use any robot, spider or other automatic device, process or means to access the Websites for any purpose, including monitoring or copying any of the material on the Websites.

·         Use any manual process to monitor or copy any of the material on the Websites or for any other unauthorized purpose without our prior written consent.

·         Use any device, software or routine that interferes with the proper working of the Websites.

·         Introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.

·         Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Websites, the server on which the Websites are stored, or any server, computer or database connected to the Websites.

·         Attack the Websites via a denial-of-service attack or a distributed denial-of-service attack.

·         Otherwise attempt to interfere with the proper working of the Websites.



Reliance on Information Posted

The information presented on or through the Websites is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Websites, or by anyone who may be informed of any of its contents.

 

The Websites may include content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/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 those materials. 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 by any third parties.



Changes to the Website

We may update the content on the Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Websites may be out of date at any given time, and we are under no obligation to update such material.



Information About You and Your Visits to the Website

All information we collect on the Websites is subject to our Privacy Policy http://leasetermsolutions.com/privacy.html. By using a Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.



Online Purchases and Other Terms and Conditions

Some of the Company’s product or services require you to pay certain fees, as described in the specific conditions provided to you when such products or services are offered.  You agree to pay all fees and charges that you incur via a Website.  All fees and charges are payable in accordance with payment terms in effect at the time the fee or the charge becomes payable.

 

The information provided through the Websites is intended for general reference only and may not describe all of the terms, conditions and exceptions applicable to the Company’s products and services.  All purchases through the Websites or other transactions for the sale of products or services through the Websites or as a result of visits made by you are governed by the terms and conditions provided to you at the time of purchase or shortly thereafter, which are hereby incorporated into these Terms of Use.  All insurance coverages are subject to the terms and conditions of the insurance policies issued.  Coverage and its availability may vary by State and your individual circumstances, and additional minimum coverage limits may be required in your State.  The products and services offered via the Websites are only available in the jurisdictions in which the Company is properly licensed.  Refunds of premiums paid for insurance products purchased from the Company are subject to actual coverage periods and the determination of unearned premium amounts.

 

THERE IS NO GUARANTEE THAT YOU WILL BE APPROVED AND OFFERED AN INSURANCE PRODUCT OR SERVICE EVEN AFTER YOU COMPLETE FORMS ON THE WEBSITES AND/OR SUBMIT INFORMATION TO THE COMPANY.

 

The Company may be required by State or Federal law to notify you of certain events.  You hereby acknowledge and consent that such notices will be effective upon our posting them on the Websites or delivering them to you via the e-mail address provided. 

 

Additional terms and conditions may also apply to specific portions, services or features of a Website. All such additional terms and conditions are hereby incorporated by this reference into these Terms of Use.



Underwriting Entities

The Company provides the following information pursuant to various State insurance laws in regard to the insurer underwriting any coverage for the Company’s products.  Each insurer has sole financial responsibility for its own products.



Insurance Company

NAIC Identification Number

Principal Address and Telephone

Jurisdictions where authorized to do business

State of Domicile

Seattle Specialty Insurance Services

 

332 SW Everett Mall Way, Everett, WA 98204
Phone: 800.597.1866
Fax: 425.609.3555

All States

Washington

QBE North America

 

Wall Street Plaza 88 Pine Street New York, NY 10005
Tel: 800.362.5448
qbena.com

All States

New York



Linking to the Websites and Social Media Features

You may link to the homepage of a Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

 

The Websites may provide certain social media features that enable you to:

 

·         Link from your own or certain third-party websites to certain content on a Website.

·         Send e-mails or other communications with certain content, or links to certain content, on a Website.

·         Cause limited portions of content on a Website to be displayed or appear to be displayed on your own or certain third-party websites.

 

You may use these features solely as they are provided by us, solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

 

·         Establish a link from any website that is not owned by you.

·         Cause a Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.

·         Link to any part of a Website other than the homepage.

·         Otherwise take any action with respect to the materials on a Website that is inconsistent with any other provision of these Terms of Use.

 

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

 

We may disable all or any social media features and any links at any time without notice in our discretion.



Links from the Websites

If a Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked to a Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.  You should read the privacy policies and terms of use agreements of all third-party websites.



Geographic Restrictions

The owner of the Websites is based in the State of Georgia in the United States. We provide the Websites for use only by persons located in the United States. We make no claims that a Website or any of its content is accessible or appropriate outside of the United States. Access to the Websites may not be legal by certain persons or in certain countries. If you access a Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.



Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Websites will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF A WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH A WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

 

YOUR USE OF THE WEBSITES, THEIR CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES IS AT YOUR OWN RISK. THE WEBSITES, THEIR CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITES. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITES, THEIR CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT A WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

 

THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

 

THE COMPANY MAKES NO REPRESENTATION AS TO THE FINANCIAL OR OTHER SUITABILITY OF ANY PRODUCT OR SERVICE DESCRIBED ON THE WEBSITES.  THE RECOMMENDATION OF PRODUCTS OR SERVICES PROVIDED ON THE WEBSITES IS MERELY A SUGGESTION AND IS, IN NO WAY, A REPRESENTATION THAT SUCH PRODUCT OR SERVICE IS THE BEST OR MOST SUITABLE PRODUCT FOR YOU.

 

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.



Limitation on Liability

 

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITES, ANY WEBSITES LINKED TO THEM, ANY CONTENT ON THE WEBSITES OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITES OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

 

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.



Indemnification

 

You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Websites, including, but not limited to, any use of the Website’s content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Websites.



Governing Law and Jurisdiction

All matters relating to the Websites and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Georgia without giving effect to any choice or conflict of law provision or rule (whether of the State of Georgia or any other jurisdiction).

 

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Websites shall be instituted exclusively in the federal courts of the United States or the courts of the State of Georgia in each case located in the City of Atlanta and County of Fulton although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your state or country of residence or any other relevant state or country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.



Arbitration

 

At the Company’s sole discretion, it may require You to submit any disputes arising from the use of these Terms of Use or the Websites, 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 Georgia law.



Limitation on Time to File Claims

 

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR A WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.



Waiver and Severability

 

No waiver of by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

 

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.



Entire Agreement

 

The Terms of Use, our Privacy Policy and any additional terms and conditions incorporated herein constitute the sole and entire agreement between you and LeaseTerm Insurance Group, LLC with respect to the Websites and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Websites.



Your Comments and Concerns

 

The websites are operated by LeaseTerm Insurance Group, LLC d/b/a LeaseTerm Solutions, 2675 Paces Ferry Road, Suite 120, Atlanta, GA 30339.


All notices of copyright infringement claims should be sent to the copyright agent at info@LeaseTermSolutions.com in the manner and by the means set forth therein.


All other feedback, comments, requests for technical support and other communications relating to the Website should be directed to: info@LeaseTermSolutions.com.