Terms of Use

Terms of use and underwriter and licensing information
 
FIGO Pet Insurance LLC

Last Modified: February 3, 2016

These Terms of Use and Underwriter and Licensing Information (these “Terms”) govern your access to and the use of FIGO sites or services, including any content, functionality, products and services, information about our products and services, your accounts, educational content, and certain other tools offered, whether as a registered user or guest.

By using FIGO sites or services, you accept and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our sites or services. Please read these Terms carefully and make sure that you understand them. These Terms are in addition to any other agreements between you and FIGO. We strongly recommend that you print a copy of these Terms, or save them to your computer, for future reference.

We reserve the right to modify or change these Terms at any time without prior notice to you.  Any modification or change shall be effective upon posting by us on this site.  You agree to be bound by any changes to these Terms when you use FIGO sites or services after any such change is posted. Please check these Terms regularly for changes.

FIGO sites or services are offered and available to users who are 18 years of age or older and who reside in the United States.  By using FIGO sites or services, you represent and warrant that you are of legal age to form a binding contract with FIGO and meet all of the foregoing eligibility requirements.  If you do not meet all of these requirements, you shall not access or use FIGO sites or services. 

1. Information About Our Company

FIGO Pet Insurance LLC
540 N. Dearborn
Box No. 10873
Chicago, Illinois 60610

To contact us, please email support@FigoPetInsurance.com or at the address listed above. 

We operate the following websites: www.figopetinsurance.com; www.mypetcloud.com 

2. Availability of Insurance Products in Your Jurisdiction

FIGO makes no representation that all insurance products and services on FIGO sites or services are appropriate or available for use in your jurisdiction. Some insurance products and services may not be available in all jurisdictions. If you choose to access FIGO sites or services, you do so at your own initiative and are responsible for compliance with any applicable local, state, and federal laws, rules and regulations. The information contained on our sites is not an offer to sell or solicitation to buy any insurance product or service. 

3. Insurance Quotes and Coverage

All quotes for insurance products provided to you on our sites are estimates based upon the information you provided and are not a binding agreement to extend insurance coverage. You represent and warrant that any application submitted by you is, to the best of your knowledge, true, correct and complete.  Any coverage descriptions provided on our sites are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to FIGO. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact us at support@FigoPetInsurance.com or call us at 844-738-3446.

4. Reliance on Certain Posted Information

The information presented on or through FIGO sites or services is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of such 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 our sites, or by anyone who may be informed of any of its contents.

Our sites 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 any such materials, and all articles and responses to questions and other content, other than the content provided by us, are solely the opinions and the responsibility of the person or entity providing those materials. Any such materials do not necessarily reflect our opinion. 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.

If any of our sites contain 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 sites linked to our sites, you do so entirely at your own risk and subject to the terms of use for such websites. 

5. Disclaimer of Warranties

ALL INFORMATION AND OTHER MATERIALS PRESENT ON THE SITE (THE “CONTENT”), INCLUDING FIGO’S PRODUCTS AND SERVICES, ARE PROVIDED “AS IS,” WITHOUT ANY WARRANTIES CONCERNING THE CONTENT’S NATURE OR ACCURACY, EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME, AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES.

FIGO EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE CONTENT INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. FIGO DOES NOT WARRANT OR REPRESENT THAT THE FUNCTIONS OR OPERATIONS OF FIGO SITES OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT FIGO SITES OR SERVICES, ITS SERVERS OR ANY E-MAIL SENT FROM FIGO ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. 

WITHOUT LIMITING THE ABOVE, FIGO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY WITH REGARD TO ANY WEB SITE OWNED BY A THIRD PARTY TO WHICH OR FROM WHICH OUR SITE IS LINKED (“LINKED WEB SITE”). FIGO DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEB SITE.

THE INFORMATION, PRODUCTS, SOFTWARE OR SERVICE DESCRIPTIONS PUBLISHED ON OUR SITE OR A LINKED WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. THE COMPANY DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON OUR SITE OR A LINKED WEB SITE IS UPDATED OR COMPLETE. FIGO HAS NO OBLIGATION TO UPDATE ANY CONTENT ON OUR SITE AND MAY CHANGE OR IMPROVE OUR SITE AT ANY TIME WITHOUT NOTICE.

WE DO NOT ENDORSE AND ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH OUR SITES OR SERVICES BY ANY PARTY OTHER THAN US.

6. Limitation of Liabilities

IN NO EVENT WILL FIGO, ITS RESPECTIVE SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS BE LIABLE TO YOU FOR ANY INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING ANY LOST PROFITS, COSTS OF PROCURING SUBSTITUTE SERVICES OR LOST OPPORTUNITY, EVEN IF YOU HAVE NOTIFIED US ABOUT THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIMS BY ANY THIRD PARTIES, ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS, USE OR CONTENT OF OUR SITE OR A LINKED WEB SITE WHETHER SUCH CLAIMS ARE BROUGHT UNDER ANY THEORY OF LAW OR EQUITY.

IN NO EVENT WILL OUR LIABILITY FOR ANY CLAIM OF ANY KIND, WHETHER BASED IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY LOSSES OR DAMAGES ARISING OUT OF, CONNECTED WITH, OR RESULTING FROM, THESE TERMS OR THE PERFORMANCE OR BREACH THEREOF, OR ANY PRODUCT OR SERVICE OR THE USE OR PERFORMANCE THEREOF, EXCEED THE AMOUNT PAID BY YOU FOR FIGO’S PRODUCTS OR SERVICES.

THIS LIMITATION ON LIABILITY INCLUDES TRANSMISSION OF VIRUSES THAT INFECTS YOUR EQUIPMENT, MECHANICAL OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE.

7. Electronic Transmission and Signatures

In order to access and use FIGO’s products or services, you agree to receive information related to such products and services delivered to you electronically. Such information may include quotes, policies and plans, updates, notifications, requested information, transaction receipts, documents requiring your signature, or any other documents (“Communications”). Your consent does not mean that FIGO must provide the Communications electronically; FIGO may, at its option, provide the Communications through non-electronic means in its sole discretion.

You are responsible for informing FIGO if you have changed your personal information, including your name, telephone number, mailing address, e-mail address, or other personal information. You may update your personal information through our sites or by contacting us at support@FigoPetInsurance.com or by calling 844-738-3446.

If you wish to withdraw your consent to receive information electronically, you must notify us by contacting us at support@FigoPetInsurance.com or by calling 844-738-3446. 

As part of some FIGO products or services, you may be given the option to sign certain Communications electronically by either checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic signature process, you are providing your electronic signature and agree to be bound by these Terms in such Communication just as if you had signed your name to a paper document.

8. Payments and Refunds

You can only pay for FIGO products or services using a credit card, debit card, ACH direct debit transfer from a checking account or such other method of payment disclosed to you on the applicable checkout page.  All payments must be made by the cardholder or account holder or the person making the payment must have the express consent and permission of the cardholder or account holder to use the card or other form of payment being used.

The purchase of certain products and services offered on FIGO sites or services may provide for the automatic renewal of such product or service upon expiration.  If you agree to the automatic renewal of the product or service at the time of your purchase of such product or service, you consent and agree that FIGO is authorized to automatically charge your credit card, debit card such other account provided by you at the time of renewal unless otherwise notified by you.

All cancellations of your insurance policy must be made in writing.  If you cancel your insurance policy during the first 30 days of your policy period, you will receive a full refund, provided that you have not submitted a claim.  If you cancel your policy after the first 30 day period, your policy will be cancelled effective the date of your written request, and you will be refunded a pro-rata amount of your paid premium.

9. Linking to Our Sites

You may link to our sites, provided you do so in a way that is fair, in compliance with all applicable laws, rules and regulations, and does not damage our reputation; provided that 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.

You may use the features on our sites solely as they are provided by us, and solely with respect to the content they are displayed with.

We may disable all or any features on our sites and any links at any time without notice, in our sole discretion.

10. Restricted Sites and Passwords

Some portions of our sites may be restricted and require authorization for access. Unauthorized use of or access to any such areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored, and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas. It is a condition of your use of our sites that all information you provide on our sites is correct, current, and complete. You agree that all information you provide to register with our sites or otherwise, including through the use of any interactive features on our sites, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

You are responsible for maintaining the security of your information technology systems and computers.  You should exercise the necessary steps to ensure that unauthorized individuals do not access your accounts or other components of our sites, as well as your log files or any other information which is proprietary or private to you.  Do not share your password with anyone. If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. 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. FIGO will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact us. We will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. In order to protect your personal information, FIGO encourages you to change your password regularly. 

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, there has been a violation any provision of these Terms or of our Privacy Policy. 

11. Submitting Images and Comments on Our Sites

If you submit photographs, images, video, or related media (collectively, “Images”) or comments intended for public display on any of our sites or services, you agree to abide by these Terms. You shall not submit comments or Images on our sites that: are illegal, indecent, profane (either directly or indirectly through partially obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to FIGO's Privacy Policy or otherwise injurious to FIGO or third parties; consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by FIGO), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an email address is required to upload Images, comments or submissions, you agree to use a valid email address and represent that you are the individual identified by the address. If you wish to submit materials to any of our sites, you are prohibited from impersonating any other individual or entity, or otherwise mislead as to the origin of the comments.

Comments and Images will not be accepted that infringe in any manner on the copyright, trademark or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary or trade-secret information of any individual or entity, or that may violate the legal right of any person or entity in any jurisdiction or locale. You may not submit materials that are or purport to be the personally identifiable information about others, such as full name, postal address, email address, telephone number or any other personal attribute which would constitute harassment or an invasion of privacy.

Your comments and Images become the property of FIGO and you grant to FIGO a non-exclusive, royalty-free, perpetual, irrevocable, fully transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit, and reformat your comments and Images as necessary and for any purpose, anywhere in the world, including into those forms that may constitute advertising or marketing. We are not and shall not be under any obligation to maintain any comments or Images in confidence, to pay compensation for any comments or Images, or to respond to any comments or Images.  If you submit comments or Images, you are also granting to FIGO the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses your comments or Images in an unauthorized way or through unauthorized reproduction of any such comments or Images.

Comments or Images used, displayed or propagated by us or others licensed by us to use your comments or Images may be attributed to you unless you have expressly requested anonymity. We reserve the right to select among the comments and Images for the most appropriate material to be used, subject to our sole discretion and judgment. FIGO otherwise reserves the right to remove comments and Images from our sites pursuant to our discretion and judgment, but maintains no obligation to do so.

You also agree to not redistribute, or reproduce elsewhere, comments in any manner or in any media, including the re-submission or republishing of any comments on any other site not affiliated with FIGO.

We take no responsibility and assume no liability for any comments or Images posted by you or any third party.

12. Underwriter Information

We are underwritten by:

Markel American Insurance Company – A Stock Company
4521 Highwoods Parkway
Glen Allen, Virginia, 23060
262-548-9880
 
13. Jurisdictions in which FIGO is Licensed

FIGO is authorized to operate in each of the following jurisdictions and possesses the department of insurance license numbers provided below:
 
State License Number
AK 100106130
AL 0706628
AR 443741
AZ 1078918
CA 0K02763
CO 451692
CT 2460607
DC 3060722
DE 1354697
FL L091577
GA 178688
HI 413376
IA 16109008
ID 488828
IL 100629614
IN 957470
KS 461506892-000
KY 842418
LA 621331
MA 1973848
MD 2141352
ME AGN233534
MI 0103981
MN 40385641
MO 8321114
MS 15024034
MT 100123623
NC 1000390178
ND 2000130469
NE 100216695
NH 2293125
NJ 1550630
NM 100012165
NV 963100
NY PC-1362903
OH 1028212
OK 100191435
OR 100240443
PA 703080
RI 2282446
SC 200166
SD 10017414
TN 2274427
TX 1960094
UT 488250
VA 136304
VT 949538
WA 860830
WI 2635329
WV 100176778
WY 265014
 
14. Intellectual Property, Trademarks and Copyrights

FIGO sites or services and their entire contents, features, and functionality including, all information, software, text, displays, photographs, images, video and audio, and the design, selection and arrangement thereof, are owned by FIGO, 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 and treaties.  You will not challenge the ownership or rights in the content on FIGO sites or services or any component thereof. 

You are granted a nonexclusive, nontransferable, limited and revocable right to access, use, display and navigate our sites solely for your personal, non-public and non-commercial use. You are also granted a limited and revocable license to print copies of the Content, but solely for your personal, non-public use. You shall not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of our material, except for your personal, non-commercial use. You shall not access or use for any commercial purposes any part of FIGO sites or services.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of FIGO sites or services in breach of these Terms, your right to use FIGO sites or services 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 our sites or any content on our sites is transferred to you, and all rights not expressly granted are reserved by FIGO. Any use of our sites not expressly permitted by these is a breach of these Terms and may violate copyright, trademark, and other laws.

The trademarks, service marks, slogans, logos, trade dress and other identifiers (“Marks”) displayed on FIGO sites or services are the property of FIGO, unless otherwise disclosed. You are prohibited from using any Marks for any purpose including use on other materials, in presentations, as domain names, or as metatags, without our written permission. 

Except as expressly provided above, no Images or comments or any portion of FIGO sites or services, their Contents or any copyright, trademark, trade name, service mark or any other proprietary information of FIGO (collectively, the “Intellectual Property”) displayed on FIGO sites or services or on any of the Content may be reproduced, altered, removed, transmitted, published or distributed, whether electronically, mechanically, by photocopy, recording or otherwise, without the prior written permission of FIGO. Use of any FIGO trademarks as metatags on any third-party site is strictly prohibited. You may not co-brand our site or display our site in frames (or any of the Content via in-line links) without prior written permission from FIGO; “co-brand” means your display of any of the Intellectual Property, or your taking of other means of attribution or identification of FIGO in such a manner reasonably likely to give a third party the impression that you or the third party has the right to display, publish or distribute our sites or any Content. You agree to cooperate with FIGO in causing any unauthorized co-branding, framing or linking to immediately cease. You may not remove, modify or alter any copyright, trademark or patent notice from any product delivered by us.  You agree not to undertake any action that will interfere with or diminish our right, title or interest in our Intellectual Property. 

© FIGO Pet Insurance LLC. All rights reserved.

15. Jurisdiction and Enforceability

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois and the United States of America, without giving effect to any principles of conflicts of law. You irrevocably consent to the exclusive jurisdiction of the courts located in the State of Illinois in connection with any action arising out of or related to these Terms or their subject matter. You waive any objection based on lack of personal jurisdiction, place of residence, improper venue or forum non conveniens in any such action.

16. Force Majeure

We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms that is caused by a Force Majeure Event. A “Force Majeure Event” means any act or event beyond our reasonable control, including strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks or impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport. If a Force Majeure Event takes place that affects the performance of our obligations under these Terms we will contact you as soon as reasonably possible to notify you.  Our obligations under these terms will be suspended and the time for performance of our obligations will be extended for the duration of a Force Majeure Event. Where the a Force Majeure Event affects our delivery of products to you, we will arrange a new delivery date with you after the Force Majeure Event is over.

17. Waiver of Class Action Rights

IN ANY DISPUTE, NEITHER YOU NOR ANY OTHER PERSON SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS BY OR AGAINST OTHER AFFILIATES OR PERSONS, OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR CLASS ACTION OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. YOU ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO ANY SUCH CLAIM. 

18. Other Important Terms

These Terms and any document expressly referred to in these Terms constitute the entire agreement between you and us and supersede and extinguish all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to its subject matter.

We may revise these Terms from time to time in our sole discretion.  Every time you purchase a product or service from us, the Terms in force at that time will apply to your order. We may transfer our rights and obligations under these Terms to another organization, but this will not affect your rights or our obligations under these Terms.

We reserve the right at any time in our sole discretion to: modify, suspend or discontinue our sites or any service, content, feature or product offered through our sites, with or without notice; charge fees in connection with the use of our sites; modify and/or waive any fees charged in connection with our sites; and/or offer opportunities to some or all users of our sites. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of our sites, or any service, content, feature or product offered through our sites.

Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful or unenforceable, the remaining paragraphs will remain in full force and effect.

If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

We may terminate these Terms at any time without notice, and accordingly may deny you access to our sites, if in our sole judgment you fail to comply with any term or provision of these Terms. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of these Terms for all purposes.
 
© 2016 FIGO Pet Insurance LLC. All rights reserved.



 

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